90% of the time when I've been a player, DMs don't actually enforce this stuff anyway. They may promise courtly intrigue and political maneuvering, but it ends up being a dungeon crawl anyway. They might say it's going to be a light-hearted tale of swashbuckling pirate adventure on the open sea, and it's a grim survival story. I'll just abandon my original concept and make something that fits the DM's actual campaign, forgetting the "story bible" approach and see what happens in real play.
Those two campaign styles (political intrigue and pirate adventures) are two that I will be very hesitant about joining these days. Pirate adventures, especially, I have NEVER seen done well. And that's a mystery to me.