How much of a song can you “have” before it’s done?

We all sit on songs we claim to “have” but before getting philosophical about how we mix and match material so the final version of a song is ultimately unknown, I wanna know how much structure you guys “put into” your songs before they’re put into a daw, or if you use a daw a lot how much of a song are you cooking up before you start balancing and mixing?

I believe you can “have” a song even as journal notes and voice memos because duh, but like can you “have” an album before it’s fully recorded? Idk I’m still more interested in how ya’ll see song structure