I agree that underdetermination problems are distinct from problems about norms -from the is/ought problem. Apologies if I introduced confusion in mentioning them. They are relevant because they arise (roughly speaking) at the interface between decision theory and empirical science, ie, where you try to map mere behaviours onto desires and beliefs.
My understanding is that in philosophy of science, an underdetermination problem arises when all evidence is consistent with more than one theory or explanation. You have a scientist, a set of facts, and more than one theory which the scientist can fit to the facts. In answer to your initial challenge, the problem is different for human psychology because the underdetermination is not of the scientist’s theory but supposedly of one set of facts (facts about beliefs and desires) by another (behaviour and all cognitive states of the agent). That is, in contrast to the basic case, here you have a scientist, one set of facts -about a person’s behaviour and cognitive states- a second set of suppposed facts -about the person’s beliefs and desires- and the problem is that the former set underdetermine the latter.
This is a nice way of putting things. As long as we’re clear that what makes it a prescription is the fact that it is an ideal for the non-ideal agent.
Do you think this helps the cause of naturalism?