"It's completely up to you"
... and that's the problem.
I was picking out the mat for a framed photo and there were a thousand colors to choose from. The framer uttered the scary invocation, putting the choice back to me.
So many things are now completely up to us, more than ever before. Where and how and when we work and invest and interact and instruct and learn...
If you think you have no choice but to do what you do now, you've already made a serious error.
It seems to me that passing the buck on this merely because it's easier than choosing is precisely the wrong strategy. It enables an abdication of power that will be very hard to reverse. It's up to you, and that's part of the power that you've got.
Back to the framer: I picked, because that's my job.