The problem is that modelling the formation all the way from micron sized dust to 100000 km diameter planets is hard (14 order of magnitude in length scale). No single model does all steps well, most of them do not include some steps at all.
Note: this does not mean that the models are useless. There is some things we can already learn and smart people work on improving the models. But as usual, HN overestimates the power of numerical models. Modeling real life is a bit harder than launching a ruby web app. And takes MUCH more compute power.
Another example to illustrate the difference between "physics based and good enough" to "accurate but expensive" would be the algorithm by Jos Stam in a paper title "stable fluids". It is fast enough to run real time fluid simulations e.g. for water in a computer game, but is very dissipative, i.e. it removes small eddies. So while a ship moving through water simulated with that algorithm is going to LOOK great, you will get a totally wrong and inconsistent estimate of the drag on the hull. Not something you care about for a computer game, but something that might change your results if you try to do science with it.