I was getting ready to rant until you mentioned Terraria. Then I read the last line of your post.

Shoot, if I’m playing against the computer I use the game the way I want. It’s not cheating if your opponent is non-sentient.

I especially feel that way in games where ridiculous stuff happens at random (e.g. Rimworld). If I’m 2h into building a new colony and somehow get wiped out by 1 rabid squirrel, I curse, laugh my ass off for a minute, then load an autosave.