Present simple vs present continuous - when to use each

Present simple - permanent facts, habits, routines, and general truths:
"I work in London." (permanent situation)
"She drinks coffee every morning." (habit)
"Water boils at 100°C." (general truth)

Present continuous - happening now or around now; temporary situations:
"I'm working from home this week." (temporary, not permanent)
"She's learning French." (ongoing process)
"They're building a new office." (in progress)

Is this permanent/habitual, or temporary/in progress right now?

"I live in Manchester." (permanent - present simple)
"I'm living with my parents at the moment." (temporary - present continuous)

Stative verbs - some verbs almost never use the continuous form:
know, understand, believe, want, need, love, hate, see, hear, belong, contain
"I'm knowing the answer." ✗ → "I know the answer." ✓
"I'm wanting a coffee." ✗ → "I want a coffee." ✓

Using present simple for actions happening right now:
"What do you do?" (habit/job) vs "What are you doing?" (right now)