I think I plan less with Terraria than Stardew since the passing of time doesn't matter much at all comparatively, but I still consult the wiki constantly to see where to get an item or what a monster drops and so on. I've got over 1000 hours in Terraria, but some of this stuff is just a bit much to remember, plus it can change slightly from game updates.
Both games have a lot of informational YouTube videos as well. All the videos of beginner tips are what finally got Stardew to click for me after owning it for years but failing to get into it. I went from taking months or years away from the game within the first Spring to finally getting sucked in enough to finish the rest of my first year within a few weeks IRL time.
While some people probably think it's a chore to do all this work outside the game, I see it similarly to the author in the article, I think it enriches the experience. It also gives you a way to think about the game and get better at it while it's not even open. I don't like to open Stardew unless I'm prepared to play multiple hours in a row, but I can read the wiki and jot down some notes for a few minutes at any time.