Bill Zebub
“It’s probably Matt Mercer’s fault.”
Are you worried YOU would do that, or are you worried other people would?In every situation, no matter what, with no mechanical consequence for ignoring the dice? It's ok to just step out of the setting anytime you feel like (especially if not doing could lead to negative effects for your PC)? My concern is that it's simply to easy to ignore detrimental social interactions if you can just decide it always goes your way.
If the latter, I don’t think fear of what other people might do is the best basis for game design.
I want combat mechanics to follow the dice because I don’t want the responsibility of making it suspenseful and exciting, not because I worry about others cheating. If I could just hit (or be missed) at will then combat would lose most of its appeal.
On the other hand, I do want to decide what my character thinks and what (potentially ill-advised) actions he/she chooses. To have that determined for me no longer feels like I am my character.
What other people might do, or how they might roleplay? Not my business to dictate that.