and an A5e feat chain :'D
but yeah I'm on the side of "some things only come with retirement/npc-hood," because there have always been things that the PC's mechanics can't account for.. the classic is "how is the necromancer controlling 200 undead in this dungeon?" Answer for simulationists (and 3e) is usually "he has an amulet that only works if you sacrifice a ton of people and make a pact with orcus;" whereas the more gameist editions' reasons are "they're NPCs, they did bad stuff for power and it took a long time, you're a hero and not an NPC."
Both end up with the same result, but the simulationist version has extra steps to help explain it in the mechanics of the game world, which can include cool info, and the gameist version is usually a little more "it is what it is, let's get to the slayin'."