> if humans (or any intelligent physical entity) are at most Turing-complete

This is a bit of a strange assumption to make. I do agree that a human, if it had infinite memory, would be an universal machine, i.e. capable of computing any given Turing machine [0]. But would that be the limits of its capabilities? It's far from certain.

You'll get into the philosophy of free will (funnily enough, a sort of inverted Turing test), i.e. for a given human with infinite memory, is there a Turing machine that exactly replicates the behavior of that human? Is our behavior governed entirely by rules? Would that imply that a human themselves is a kind of Chinese room [1]?

> any non-constructive math "steps" or thoughts must also be at most computable.

What does it mean for a "thought" to be computable? Compare to Gödel's incompleteness theorem. Clearly the act of stating the thought, or writing down the theorem, is computable. But proving it to be true or false may very well be impossible.

[0] https://en.wikipedia.org/wiki/Universal_Turing_machine [1] https://en.wikipedia.org/wiki/Chinese_room