Yeah but it sure feels like what is in that 20% has to be common enough to have good best practices around it?
Or perhaps that 20% is simply the remainder of organizational complexity that cannot be standardized in a single tool like Terraform? Every org and every product have unique enough attributes that it is just not possible.
I dunno. I find terraform a uniquely fascinating product because it does so much yet leaves so much for you to do on your own.