Mourn said:
But if they're eating bread, then you need a coherent in-setting (and rules) explanation for how the humanoid races began the cultivation of cereal grains. If the rules don't support it, then it doesn't happen, as you claimed earlier, which means bread shouldn't exist unless you have those rules.
They put ranks in Profession(Farmer). Then they put more ranks in Profession(Farmer). They made their profession checks and were paid in wheat.
Besides, there's worlds of difference between "There isn't a rule for that." and "There are rules for this, and they say that couldn't happen."
But when you advocate needing rules for "20th-level kings falling from horses and breaking their necks at full hp," that just strikes me as rules bloat, because it's a pointless expansion of extreme corner cases to cover incredibly non-standard conditions during game play.
Many heroes ride horses. There are rules for heroes riding horses. There is nothing in the rules to imply that If falling from a horse is supposed to present a risk to heroes, it should present a risk to heroes (that is to say, show up as a risk to PCs if the conditions enabling it are met). If it isn't supposed to present a risk to heroes, it shouldn't present a risk to heroes (and you need another way to kill off a random heroic character.)
But you're still facing inconsistencies, despite your claim of coherence. If you "need" rules to explain how a dude falling from his horse could die instantly (instead of just treating it like the story event it is), then you
Do our characters know about the segregation between story events and non-story events? Do they note the vivid imagery and detail that surrounds them, and treat it as akin to a FMV rendered cut scene in a JRPG? Do the words "Roll initative!" on a faraway plane trigger a blur-and-zoom effect, signaling that the Special Combat Abstraction rules now apply? How about waist-high shrubs that prevent us from going where the story isn't meant to lead us? Are we offered a number of broken bridges that we inexplicably cannot cross, or possibly 5' passageways guarded by immobile, invulnerable soldiers?
I reject utterly the idea of nonruled story events in my tabletop rpg. If it's happening in the world my character experiences, my character will either expect the rest of the world to conform to the same rules he does, or start pulling out tomes detailing the Far Realms and go insane. (Of course, since I'm a cooperative sort, he'd go insane in a very Deadpoolish fashion, and chide other characters when they failed to recognize story events, walk into ambushes, expect the world to make sense from moment to moment, and so forth.)
Dragon Magazine isn't official D&D supplements. As the kids today would phrase it, it was a "money grab" filled with material people were "convinced they needed." I just wasn't ever "suckered" into it.
Allow me to expand your vocabulary: suggested, optional rules are a subset of rules.