This was also stated by an amora; Rav Ḥiyya bar Ashi said that Rav said: Although the Sages said that one requests their personal needs in the blessing: Sh'ma Koleinu (Who listens to prayer), if one wishes to do so as part of the Amida prayer. If they come to add and recite additional requests after completing their Amida prayer, even if their personal requests are the equivalent of the order of the confession of Yom Kippur, one may recite them.
With regard to the halakhic ruling, Rav Yehuda says that Shmuel says: The halakha is that a person requests their own needs during the Amida prayer in the Sh'ma Koleinu blessing (Who listens to prayer). Rav Yehuda, son of Rav Shmuel bar Sheilat, says in the name of Rav: Although the Sages said that a person requests their own needs in the Sh'ma Koleinu blessing (Who listens to prayer), that is not the only option. Rather, if they wish to recite at the conclusion of each and every blessing personal requests that reflect the nature of each and every blessing, one may recite them.
(א) דין הרוצה להוסיף בברכות ובו ד סעיפים:
אם רצה להוסיף בכל ברכ' מהאמצעיות מעין הברכה מוסיף כיצד היה לו חולה מבקש עליו רחמים בברכת רפאינו
היה צריך פרנסה מבקש עלי' בברכת השנים
ובשומע תפל' יכול לשאול כל צרכיו שהיא כוללת כל הבקשו':
הגה וכשהוא מוסיף יתחיל בברכה ואח"כ מוסיף אבל לא יוסיף ואח"כ יתחיל הברכה (טור סימן תקס"ז)
ולהר"ר יונה כשמוסיף בברכה מעין אותה ברכה אם מוסיף אותה בשביל כל ישראל אומר אותה בלשון רבים ולא בלשון יחיד ולא יוסיף אלא בסוף הברכ' ולא באמצע
ואם שואל צרכיו ממש כגון שיש לו חולה בתוך ביתו או שהוא צריך לפרנסה יכול לשאול אפילו באמצע הברכה והוא שישאל בלשון יחיד ולא בלשון רבים
ובברכת שומע תפלה וכן בסוף התפלה בין קודם יהיו לרצון בין אחריו יכול לשאול בין בלשון יחיד בין בלשון רבים בין צרכיו ממש בין צרכי רבים:
(ב) יש מי שאומר שכשמוסיף בברכה לצורך יחיד לא יאריך:
(1) The Laws of the One Who Wants To Add [Personal Prayers] In The Blessings. Containing 4 S'ifim:
If one wanted to add in any of the middle blessings, something similar the blessing, one may add. How so? If one had a sick person, one asks for mercy for [that person] in the blessing of "Refa'einu" ["Heal us"].
If one needs a livelihood, one may ask for it in the "Blessing of the Years".
And in [the blessing] of "Shomeya Tefilla" ["Who hears prayers"], one may ask for any of one's needs, for it includes all the requests.
Gloss (R"MA): And when one adds, one should begin the blessing and, after that, add, but one should not add and then begin the blessing (Tur 567).
And according to Rabbeinu Yona, when one adds to the blessing something similar to that blessing, if one is adding it on behalf of all of Israel, one says it in plural language and not singular language, and one should only add at the end of the blessing and not the middle.
And if one is asking specifically for one's own needs, for example: there is a sick person in one's home or one needs a livelihood, one can ask even in the middle of the blessing, as long as one does so in singular language and not plural language.
And in the blessing of "Shomeya Tefilla" and similarly at the end of prayer, either right before "Yihyu l'ratzon" ["May it be acceptable before You"] or after it, one may ask in either singular language or plural language, whether it is specifically for one own needs or for of the public.
(2) There is one [authority] who says that when one adds to a blessing for one's individual needs, one should not make it lengthy.
May it be Your will, ha-Shem, our God, and the God of our ancestors, that You send, quickly, a complete recovery from the heavens, healing for the soul, and healing for the body, for the ailing (name) son/daughter of (mother’s name) among the ailing of Israel.
רב שלמה זלמן אוירבאך (R. Shlomo Zalman Auerbach) opposed adding the ויהי רצון in רפאנו, unless the individual is critically ill.
אַתָּה הוּא יְהֺוָה הָאֱלֹהִים הַזָּן וּמְפַרְנֵס וּמְכַלְכֵּל מִקַּרְנֵי רְאֵמִים עַד בֵּיצֵי כִנִּים.
הַטְרִפֵֽנִי לֶֽחֶם חֻקִּי וְהַמְצֵא לִי וּלְכָל בְּנֵי בֵיתִי מְזוֹנוֹתַי קֽוֹדֶם שֶׁאֶצְטָרֵךְ לָהֶם, בְּנַֽחַת וְלֹא בְצַֽעַר, בְּהֶתֵּר וְלֹא בְּאִסּוּר, בְּכָבוֹד וְלֹא בְּבִזָּיוֹן, לְחַיִּים וּלְשָׁלוֹם, מִשֶּֽׁפַע בְּרָכָה וְהַצְלָחָה, וּמִשֶּֽׁפַע בְּרֵכָה עֶלְיוֹנָה, כְּדֵי שֶׁאוּכַל לַעֲשׂוֹת רְצוֹנֶֽךָ וְלַעֲסוֹק בְּתוֹרָתֶֽךָ וּלְקַיֵּם מִצְוֺתֶֽיךָ.
וְאַל תַּצְרִיכֵֽנִי לִידֵי מַתְּ֒נַת בָּשָׂר וָדָם. וִיקֻיַּם בִּי מִקְרָא שֶׁכָּתוּב פּוֹתֵֽחַ אֶת יָדֶֽךָ וּמַשְׂבִּיעַ לְכָל חַי רָצוֹן. וְכָתוּב הַשְׁלֵךְ עַל יְהֺוָה יְהָבְ֒ךָ וְהוּא יְכַלכְּךָ:
You are ha-Shem, God who provides sustenance and provides (for all creatures) from the unicorns to the eggs of lice.
Provide me with my daily bread (Mishlei 30:8), and may I and all my household be provided with sustenance even before we ask, with favor and not with trouble, with permission and not with prohibition, with honor and not with disgrace, for life and for peace, from the stream of blessing and success, and from the supernal streaming wellspring, in order that I should be able to do Your will and be occupied with Your Torah and fulfill Your mitzvot.
May we not require handouts from flesh-and-blood. May You fulfill in me that is written in Tanach (Ps 145:16), "You open Your hand, and satisfy the desire of every living thing," and what is written (Ps 55:23), "Cast your burden upon ha-Shem, the One who shall sustain you."
הרב יעקב עמדין was against adding fixed texts of בקשה to שמע קולנו but for adding ones own request. The reasoning being, if חז"ל required a specific text to be added - they would have added it themselves. We don't find these תפילות in סידורים before הרב וואלף היידנהיים. The נוסח we have for the וידוי was written by קיצור של"ה (הרב יחיאל מיכל עפשטיין 1800’s), which is similar to the נוסח printed in שערי ציון (Kabbalistic תפילות written about hundred years prior).