Except that most moral decisions are made deep within the brain BEFORE the cerebral cortex activates. IOW, our moral decisions are NOT consciously reasoned out in most cases. They are instinctual.
Everyone has biases, which is an instinctual survival trait that allows us to quickly execute pattern recognition. But that same trait has a *lot* of false positives, because it's better for survival if you mistake a bunch of grass for a tiger and run than mistake a tiger for a bunch of grass and get eaten.
That's why critical thinking is a skill that has to be exercised, not a baseline you have. Lots of atheists think they're critical thinkers but still fall back on biases a lot, which is how you get a bunch of Dawkins followers who are misogynistic and transphobic.
Conversely lots of theists have the exact same parts of the brain light up when the question 'what do you think about...' and 'what does God think about...' Because they're interpreting the rules subconsciously to emphasize the biases they already have.
That's why, like the OP mentioned, I'm a fan of consequence driven morality. Because it requires you to externalities and recontextualize based on data. Data can still be interpreted with bias of course, but it at least forces you to think about more than your gut instinct or a rule. Both of which can be useful but also come with a ton of unnecessary assumptions.