Develop a comprehensive set of decision-making techniques that incorporate principles from cognitive psychology, decision theory, and risk management to foster informed, rational, and efficient choices in various situations without relying on AI-driven solutions. The techniques should include methods for defining decision criteria, gathering and evaluating information, weighing pros and cons, and managing uncertainty. Consider how these techniques can be applied across different types of decisions, personal circumstances, and professional contexts, and how they can be refined over time to continuously improve decision-making skills.