I would like to watch this journal for advice as well because WHAT ARE RULES

Reposting requires permission?

All I did was outline the things that were most important to me in a brief format (contact, payment, refunds, usage rights, etc), or that I've had problems with in the past that I wanted to avoid future problems with.
And since I use google forms for commissions, I require that users check a box that says they've read, understand and agree to my TOS before they send in their application. A sort of 'no excuses' safety net.

So maybe make up a quick list of things that are important to you, write up a brief summary of your rules regarding each topic, and maybe state that users are welcome to ask you to expand on certain things if they have further questions?

Oh dude, that's a great idea!

In the future I might transfer all my stuff to Google docs, too. I quickly opened a Trello because I wanted to keep track of the current commissions I have now, but to have everything all in one place would be nice.

you can always take a look at mine

it's like 6 lines

I actually just redid my tos yesterday, haha.
If you're part of the artists_beware over on lj they have some great entries on TOS. I'd check those out and get an idea of what other people include. But I agree with Cubi, make sure you outline the most important things and expand on them if necessary.