I will reverse your question. How many games have you finished while "sitting with music on"? :D It's easy to point out problems of the "start with programming" method, but in practice, how many times which method worked?
Most people just seem to instantly go delving into programs trying to make a game in the hope they make something great. I'm not saying it's a bad thing to do, but how many games have been developed like that?
When I look at my games, I truly regret "thinking too much", so far it NEVER paid off :D And my best games were the ones that I spend minimum to none thinking beforehead (dunno why, I don't want to create a theory here, but that are the facts, in my case at least). Also, frequently this overthinking/overdesign lead to a worse game in the end...
My tip would be: impose on yourself some sort of limitations (especially time) and do not be afraid to use a healthy dose of cloning (so far none my games suffered from being "too much of a clone" while some do suffered greatly from being "too original" - sorry, pure originality sounds great for marketing purpose only, but it will rarely make a fun game)