I tell people you should be testing at the level where a change would be so hard you wouldn't do it anyway. Internal helper functions - they are tested only because the code that calls them passes. Interfaces that are used thousands of places - you better test them well because you wouldn't dare change that anyway: it would break too many others.

Or to put it differently: a test is an assertion that no matter what, for all time this should never change again. Even if customer requirements change in the future they won't change in such a way as to break this test (this isn't always true, but you should believe it is true).

A test is most valuable when it alerts you to a real problem when it fails. If the test fails but there isn't a real problem (either because customer requirements have changed, or it is flaky) it was needless cost to investigate it. If the test passes that gives some hope of correctness, but you can never be sure it is really correct vs a bug in the test (even if you use TDD and so the test failed when you wrote it that doesn't mean a refactoring since didn't make this an always pass test).

Part of the problem is if I tell you to write sort() or your new toy language's list type you have an intuitive idea of what it should look like and probably will get them right the first time (other than bugs you want the tests so you catch). These should have tiny micro tests. These things also are really easy to use as examples of how to do TDD - which they are, but they are not representative: this type of code is generally in your standard library already and you are not writing it.

Instead you are writing code that isn't well defined with lots of industry experience. It is not clear what the exact interface should be (or more likely it is clear customer requirements will change but you don't know how yet). You have no idea what the best implementation is. You don't know if this will be used in this one place, or if it will become a useful key part that many future projects depend on. You have to make guesses.