Okey, but fair warning: My answer may disapoint you.

Its exactly as said.
You concider your options and pick the most effective one.
Not much huh?

It ofcourse can be seen better if you have something to compared it with ...
For example:
I like immersion ... i dont think about wich option would do the most damage, i dont calculate % of sucess, i dont search around with my Misty Stepp prepared to cast where is the most benefitial place to teleport ...
If i decide that my character will be pyroman, i can often end up sending few Firebolts against Tiefling enemies ...
If i decide that my character will be greedy, i never push someone off the cliff ... unless i checked his pockets before, and allready "know" that he have nothing of value on him.

If i decide that my badger will create tunnel to safety, i never even check roofs, or top floors of buildings ... it dont make sense for him to with burrow there, so there is no point ... even tho it would give me better positioning.
Etc.