I think you might be conflating things a bit. The guilt about a lack of productivity already exists (daily work, or not). Doing daily work helps to mitigate it to a large degree. Naturally if I get sick I'll be comfortable enough to "let it slide". If anything I'll be eager to get back to work right when I can.
I do agree that breaking things into tiny tasks is the best way to go, it's helped me tremendously. More than anything else though it seems that passion is the largest "secret ingredient". If you're not passionate about the work it just won't happen, regardless of what happens in your life.
>The guilt about a lack of productivity already exists (daily work, or not).
This is what I think is unhealthy. If you want to spend a lot of time coding in your free time, go for it. If you notice guilt because you are slacking, you should revisit your priorities and earnestly think about why you are coding that much.
I do agree that breaking things into tiny tasks is the best way to go, it's helped me tremendously. More than anything else though it seems that passion is the largest "secret ingredient". If you're not passionate about the work it just won't happen, regardless of what happens in your life.