Do NOT steer at this stage. Collect in three places. Try collecting in Indus instead of Goa. The difference between steering and collecting in Indus should actually be minimal since you've made Hormuz your trading port.
There seems to be a general belief among the community that steering is usually superior and I'm not sure where it comes from. Collecting is always almost superior with little trade power.
Hormuz isn't a good node to make main trading port since it's easily contested and only Indus goes there.
He has a healthy chunck of trade power in most nodes, so why are you talking about with little trade power?. With some small tweaks he could easily double, conservative estimate, his trade income with proper steering. It's not a general belief, it's tried and tested.