heuristics are useful, however for most organic reactions, cause unless you deal with highly electronically complicated systems, most organic chemical reactions can be estimated quite well via heuristics like nucleophiles and electrophiles and the princple that electron densities tend to flow towards mroe electronegative elements, while slightly more advanced onces can be done well via frontier MO theory
But once you introduce just one metal in the system (or your organic molecule has a lot of delocalisation and other nontrivial things like radicals and excited states), then pretty much he…