Why plain files, of all things
Every other substrate you could build on will ask something of you eventually: a subscription, a migration, a proprietary format, a company still existing. A folder of text files asks nothing. It opens on any machine you will own for the rest of your life, in any editor, with no account, and it will open just as readily in thirty years, which is not a claim any app can honestly make. If owning your own data matters to you, plain text is not one option among several; it is the reference standard everything else is measured against.
There is also a quieter argument: plain files keep the system honest. With no views to configure and no widgets to arrange, the only thing left to build is the thing that actually works, which is a small structure and a weekly rhythm. The lineage here is real: Daniel Miessler's LifeOS runs on markdown files, Tiago Forte's PARA was designed to work in any folder system, and decades of plain-text planners quietly predate both. This guide assumes you know what a life OS is and whether building one is right for you; from here on, it is just the build.