Some things are still argued about so optimal use is a good question. Lets take a simple one
Grassland with stone
You need one quarry for the eureka so you need to at least mine one quarry somewhere to get the eureka.
The quarry with stone on grassland will give you 2 food / 2 production which can be a good starting tile but as time goes on and your hills start making 4/5 production per tile this quarry becomes outdated.
At some stage it is a good idea to harvest (we call it chopping) the stone for a one of supply of production which gets larger as you discover more techs/civics. The later you harvest it the better the production.
Many people will harvest it early because they need the production quick early and have lots of other production tiles
Also many people will harvest it mid game because they will get more production that way and could afford to wait
Some people will never find a spare worker charge to harvest it although this is not optimal.
Some people will not harvest it because they get extra gold if the city has built Great Zimbabwe.
Sometimes it is not harvested if there is little other production around
Placing a district on the tile before harvesting it is not optimal and stone harvest give good production.
So you see
@Foussa that just one simple example can cause a lot of decisions based on situation and play style.
Grassland hill with stone will have a similar set but has an extra production. However quarries produce less production late game than mines so normally harvesting the stone and replacing with a mine is a good idea.
Is this the type of thing you were after?