Henry that sounds pretty similiar to my approach from about a year ago. i still quite often start with a texture or pad for atmosphere and work from there. i’ve got something for you to try and feel free to ignore me lol, i barely know what i’m doing, but this helped me finish more tracks.
i start gathering sounds that fit in session view (kick/bass, basic open hat, pad, a few chords, and a couple of floating percussion sounds) until i’ve got what would amount to about 75% of what i needm basically everything but fills and random perc hits, all of the colour stuff. then i switch to arrangement view and start recording chronologically. that gives me the skeleton arrangement, then i can add more sounds based off the arrangement, add variety to the midi patterns and fx, and i mix as i go. once i’m done that, group tracks, eq, sidechain and i’m done. i’m also pretty ruthless about deleting stuff that doesn’t work. even if i like a sound, if it doesn’t fit the atmosphere and feel of the track i want, i just cut it and hit save immediately so i can’t rethink it.
i find it way faster to get the idea down, so i’m not sick of it before it’s arranged. i don’t know if that’ll help get you over the finishing hump, but give it a shot on two or three tracks and see if it clicks for you, it did for me. once you get used to finishing everything, it just becomes part of your process and it’s almost strange not to finish an idea.