401K, HSA, and SE that is attributable to the business does reduce QBI income (which is what the final regs cited above discuss). On top of that, if your only income is self-employment, the QBI is compared to the taxable income amount, which could be your self employment minus standard or itemized deductions, which further reduces the QBI deduction.
If the 401K is from an employer (not the self-employment), then you are correct. An HSA could be either attributed to the business if the HDHP that qualifies it is being used for the Self-Employed Insurance Premium Deduction. But if neither are linked to your self-employment, then they should not reduce the QBI. 1/2 SE tax deduction does reduce QBI.
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