Just reread it. Seems we are very much on the same page. What you call timeless counterfactuals I call possible worlds. What you call point counterfactuals are indeed just mental errors, models that do not correspond to any possible world. In fact, my post makes many of the same points.
For the record, I actually agree that: “there is no such thing as making a decision changing the actual world, except in the mind of an observer” and made a similar argument here: https://www.lesswrong.com/posts/YpdTSt4kRnuSkn63c/the-prediction-problem-a-variant-on-newcomb-s
Just reread it. Seems we are very much on the same page. What you call timeless counterfactuals I call possible worlds. What you call point counterfactuals are indeed just mental errors, models that do not correspond to any possible world. In fact, my post makes many of the same points.