No, I’m not confusing anything.

Things like doctor appointments or any other time-specific reminders go in my calendar.

The to-do list is where I keep tasks that are not time-specific and may even not be date-specific. Some examples:

• Pay credit cards (if they’re not set up with auto-pay)
• Write and publish Medium articles (with a list of planned topics)
• Plan trips
• Etc.

I also find it useful to put in things I expect from others, listed on the date when if I didn’t receive those things, I’d want to contact the person who was supposed to send them to me.

And of course, I don’t include in the to-do list routine things that I do every day. That would be silly.