"Finished" means different things to different people so there is always going to be variation, which is a good thing
For me, a finished song is when I have the lyrics, chords, and melody sorted. Anything else - arrangement, recording, production, mastering - is not what I would come to a song-writing forum for. But I'm more than happy to move my work to one of these other forums if I'm misreading the philosophy here?
I agree with your statement and you have got the philosophy completely right
However, in this day and age for some genres the arrangement and "production" (recording, mixing etc.) IS part of the finished song, especially for those that want to go on to pitch their song
The rule of thumb is to always put what you do (and do not) want specific feedback on within your original post
Some people like to look at songwriting in the "pure" form (lyrics, melody, chords) and some like to incorporate arrangement, production etc.
Neither is right or wrong - all feedback can be taken on board or ignored
I actually do think the boards should be slowed down and would personally support a "one song a month" rule, however this is TONE's house so we play by his rules!