I think your point is valid.
But also, sometimes characters lose agency. Circumstances (known or unknown) can cause things to happen they cant prevent.
I guess, it all depends on the campaign and the story and how cheesy or illogical the event is. And how often it happens.
There's just so many (sobs in frustration and indecision). I like these, no promise of quality (except for A Rose for Talakara).
Issue #9
The Crypt of Istaris: It's all over (and literally so) after midnight
Issue #10
The Shrine of Ilsidahur: It's strange that a shrine to a vanished god...
I answered yes. Every "religion/philosophy/force" has a list.
But in many cases, unless characters want a specific patron god, they can follow the "pantheon" as a whole. Like Eberron ish.