Also, in my experience, players who say “that’s what my character would do” often can’t back it up when questioned. By contrast, I’ve said multiple times that players are free to question what’s going on in the campaign, and I’m always prepared to show my work. If a decision comes from the setting’s internal logic, I can explain how I arrived at it.
So, what are we talking about here - what you, robertsconley, do, or what is done broadly in various approaches to play. Because your personal behavior doesn't speak to anyone but you - and your behavior then cannot be used as support for an approach to play, in general.
And, again, the setting doesn't have internal logic that isn't also the GM's own personal logic, since the GM either creates or authorizes that logic.