I also found it really unintuitive what needs to be made mutable. And still do to some degree.
When I first had learned that rust had this concept of “opt-in” mutability, I thought that it must then be an accepted pattern that we make as little as possible be mutable in an attempt to help us better reason about the state of our program. I had come to rust after learning some clojure so I was like “ahh! Immutable by default! So everything’s a value!”
But in reality it feels like rust code is not “designed” around immutability but instead around appeasing the borrow checker - which is actually pretty easy to reason about once you get the hang of the language. But it’s a ton to learn up front