Probably a true statement - we are careful to use use the phrase recommended workout, not prescribed workouts. Xert isn’t necessary a coach prescribing workouts. However, it is another tool to help you make informed decisions about your training.
As you mentioned, there are so many factors outside of your cycling power data that can influence one’s readiness for training. In another thread, I mentioned how I incorporate a daily HRV reading (from HRV4T) into my daily training recommendations from Xert: HRV integration with Xert Freshness / Fatigue Chart and Recommended Workouts - #20 by ManofSteele