You might benefit from what I call “the anatomy of Rick James Fuckyo Couch shirt.” That’s this long walk through the woods of what’s going on under the hood in the mind when someone asks a question like yours. To make this work, you should read it and reflect on your own thinking: pay attention to your own thoughts and feelings this isn’t much use as a theory-only discussion, you need to see how its real in your own thoughts and feelings in order for the points to land effectively. As a simple example, if I’m riding the bus to work and the driver has dialed up the air conditioning too far, it can be freezing back there, even if he’s perfectly comfortable.
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The What is would be I’m cold and shivering, and the reference is Rick James Fuckyo Couch shirt. The reference is an ideal it’s what should be. The actual is the what-is it’s whatever the temperature is back here in the cheap seats. The judgment call is a conclusion based on the comparison and value scale. It’s a kind of banging-of-the-gavel of the mind, in which the discussion gets closed off to further debate. I don’t need more data, it’s too cold here! In your case, the judgment call is this conclusion like “I’m the worst person I know.” Notice how there’s no fuzziness there, it’s very solid and established-truth: you’re the worst person you know, there’s no need to re-think the matter, it’s just a solid truth like gravity.