Which means if I would write about modern day stuff I'd have to agonize over everything and never get any writing done.

That ended for me when I realized that *all* writers are writing in a universe they created. I look at it this way: There is always, automatically, at least one difference between your story and reality, and that's that you're writing in a universe where your story doesn't exist. So if you make up stuff about, say, Hell, Michigan (a real town), and it doesn't match up exactly with the actual Hell, Michigan, that's okay; you're writing fiction set in a very slightly alternate universe.

Except the male hopefully-eventually love interest, but that's probably because I idealized him in my mind and now nothing measures up...

Oh, I know that feeling. People get it about me all the time.