doctorbadwolf
Heretic of The Seventh Circle
I think you hit the nail on the head there.
I try to play the monsters as I expect them to act, and with an appropriate amount of intelligence for their intelligence score. A mindless golem might attack players at random. But predatory creatures will try to isolate the weakest party member, disable him/her, and drag that prey away. Smart, trained soldiers like Hobgoblins know that healing spells can bring creatures back up, so they will try to finish downed opponents when it is easy to do. Chaotic evil death cultists don't go easy on characters just to be nice; they flay them alive and use their skins as jewelry. So I prefer a game that is better balanced, so I don't have to break immersion and try to devise some rational reason why the cave bear doesn't want to eat that nice, juicy, unconscious halfling lying at his feet.
I agree with your end goal, that is the desire for a well balanced game, but I’d tangentially challenge the notion that CDG mid-combat is better tactics or more realistic for predators.
In general, predators stuck in a fight for food (very few predators want to be in that position at all) will very rarely try to slink off with the food while a creature is attacking them. They are most vulnerable while carrying or dragging something away. Immediate survival pretty much always trumps long term survival, for non-sapient animals. They’ll either keep attacking dangerous animals to try to secure the food and drive off what they can’t secure, or flee if they’re overwhelmed, or circle around and look for an opportunity to take down another creature quickly. A bleeding out creature is just fresher food when they’re done.
As for tactical creatures, only the cruel or those who are already winning, or who can’t reasonably simply harm the cleric should see CDG as better than putting the hurt on the cleric. IDK about you, but I don’t fill fights with creatures that can’t hurt the party’s back line. A CDG doesn’t even guarantee a death unless they can do it twice, and the same hobs know that some casters can just revivify. The smart hob tries to kill the still standing enemies before wasting actions on the ones that are already down.