I found Torchbearer definitely too fussy for me, though I so love what it’s trying to do. I wish I had a computer program to run it for me, or at least a series of detailed flowcharts for when I should be narrating and when I should be turning to systems, and what stage the systems should resolve in.
I still suspect that in some alternate universe, the Torchbearer game best fit “for me” is a procedurally-generated, card-based, GMless RPG. Like the players delve into the dungeon and everyone does some freeform narration, but resources are spent to dig into the Dungeon Deck, and you draw cards with the conflict procedure spelled out right on them. Good Ideas are resolved by table-consensus.