The thing is, your story cards or whatever are meant to be a live document. You have the big meeting, the next day you realise that what you came up with doesn't work, you grab a coffee with your stakeholder and talk it through, come up with a new plan, and you change the card you're working on. Probably check with the tech lead first, but it's that flexible.
> In SCRUM what usually happens is the SCRUM master will tell you that the rules say [...]
This SCRUM thing sounds evil.
> Just do whatever makes sense! Its really not that difficult.
This is probably the best advice ever for any development team. Just do the thing!