That is literally a definition of role-playing: You abandon your own perspective, and instead think like the character.
If the real reason for making a decision is based on a factor that exists external to the game world, then that's meta-gaming rather than role-playing, and no amount of post-hoc rationalization will change that. If you were actually role-playing for that decision, then you would reach that conclusion without compromising the integrity of the process.
Sometimes, there are situations where meta-gaming is the lesser of two evils, but it's never good. It's always to the detriment of the role-playing process.
You're free to not like the truth, or to find it distasteful, but that doesn't make it any less true. If a game is played by meta-gaming, rather than role-playing, then it is not actually an RPG in any meaningful capacity. It's merely co-opted the label, for marketing purposes.