@RickCory. You make such a good point for this poster to think about. You inform with such clarity.
In closing above, you said "maybe I just over-water so much that I can't use ordinary cheap potting mixes". That is the truest clearest fact for me and others here too.
@synef. Rick gave us a nice blue print to remember and also tweak a bit for our own differences, in climates, light and watering style. Picking soil for the plants needs is a must, but if you overwater, then you should pick the soil best for the plant first, and then add a component for fast drainage. I don't think an exact recipe is really the answer. I tend to have to add a fair bit more grit or perlite, for the fast drainage. Cheap peat soil is an expensive waste of money for me. I will kill things I love, and spent money on.
Rick, I am going to print out your post, and tack it up in my potting shed. Great info, that will be an important reminder, not to forget to take in my own watering shortcomings when choosing soil.