It amuses me that that sort of thing gets up in your craw.  There are many things that raise my hackles, but “life works as you’d expect it to work, reinforce with available mechanics as necessary” isn’t one.

That’s probably my Sim background talking, but even back in the D&D days where there were no rules for anything; if the players slept in their armor, on the ground, in the rain, I hit them with “That was dumb, you probably should invest in a tent and some bed rolls” penalties the next day…because…duh…