Thinking a bit more, I realize that issues of verisimilitude and armour do shape my thinking quite a bit. There are choices that I make as a player, regardless of how a DM enforces the rules (I don't insist on them as a DM, so they're not house rules; they are however part of how I make sense of Armour in D&D for characters I play).
When I choose armour for a character, I assume the following are true:
* armours that give disadvantage to Dex (Stealth) checks also give disadvantage to Strength (Athletics) and Dex (Acrobatics) checks for movement (so swimming in plate is harder than swimming in leather).
* it is not possible to get the benefits of a long rest when sleeping in heavy armour.
* donning/doffing times as in the PHB can't be shortened.
* in social contexts, heavy armour creates a negative impression that gives disadvantage to Cha (Persuasion, Performance, Deception) checks.
These don't actually need to be true in the game world to shape how I play my character; it gives me choices to make that I find interesting, even if they're not required by the DM: I enjoy playing characters interrupted during their rest and adopting different tactics than they would otherwise because they aren't in armour.
When I choose armour for a character, I assume the following are true:
* armours that give disadvantage to Dex (Stealth) checks also give disadvantage to Strength (Athletics) and Dex (Acrobatics) checks for movement (so swimming in plate is harder than swimming in leather).
* it is not possible to get the benefits of a long rest when sleeping in heavy armour.
* donning/doffing times as in the PHB can't be shortened.
* in social contexts, heavy armour creates a negative impression that gives disadvantage to Cha (Persuasion, Performance, Deception) checks.
These don't actually need to be true in the game world to shape how I play my character; it gives me choices to make that I find interesting, even if they're not required by the DM: I enjoy playing characters interrupted during their rest and adopting different tactics than they would otherwise because they aren't in armour.