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Not planning your adult life out before you begin it is like not planning for a long term vacation. You will end up just wasting tons of time doing absolutely nothing.
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I recommend reading
this thread. I guess what you say is true for some people, but certainly not for everyone. For some people, planning everything will make them happy, for other people, planning nothing will make them happy.
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Planning lives works for most.
Adsman is an exception to the rule. He didn't plan anything yet still went out and did things he enjoyed.
Most people don't plan anything at all and end up doing nothing they enjoy in life and wake up years later wondering where the hell all the time went.
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This is completely contrary to my experience. Maybe your acquaintances are pre-selected to be over-planning nits. There isn't even a point to planning too many years in advance in most business. All the information you have to make any decisions now will have completely changed.