"I am too lazy to give a decent answer as to why it's 'too' and not 'to'"
ok then
"Too" portrays the idea of in excess or more than it should be, and "to" is used in expressions like to walk, to run, to paint, etc. (so it's a verb). Saying "I am to lazy" would make lazy a verb, and that makes no sense. "Too" makes sense because it portrays excess, and if you swap "too" for "excessively" in "I am too lazy" it will still make sense.
does that work