yes, the brain is a strange animal!! We had a great phrase at an
  old job of mine that I loved. It's "analysis paralysis" - you
  start analyzing a situation, and next thing you know, you can't
  take any action. sometimes inaction *is* the best choice - but
  sometimes freezing "like a deer in the headlights" and we end up
  getting hit by a car from inaction. i think it might be
  partially a chemical ...reaction - excess adrenyline makes you
  fight or flight (or freeze) - and I'm just like you - I find it
  amusing when I end up getting stuck. One place I get stuck is
  looking at a large menu at a drive-through window - I freeze up
  and can't make a quick decision - so I learned to have two or
  three default choices and just go with them so I don't have to
  think about it. :) "