So regular meditation and exercise "cured" you? Cured? Cured in the sense that I was cured of the chatter of my ego. 
I have a few books on prostrastination that deal with my problem rather directly.
BURN THEM.
It's not the words we are talking about. For your particular situation, no amount of intellectual understanding will help.
As for your view of habits, I see them more as ...
There is one eternal truth, yes, but infinite ways of perceiving that truth. Like GOD, it doesn't matter how you conceptualize it, all that matters is the experience.
Does your perspective serve you to the greatest degree? If yes, then it is the right one for you.
Pragmatism in all things.
Attacking the symptom, not the cause, has in my experience, not been that productive.
The cause is too much thinking and talking. Both exercise and meditation reinforce a 'just do it' mentality and will aid you in 'sticking-to' whichever further habits you wish to acquire.
good luck
