To me, it sounds like the two theories represent two different sets of people. If you have a high-risk high-stress job / life, playing a cozy city builder lets

To me, it sounds like the two theories represent two different sets of people. If you have a high-risk high-stress job / life, playing a cozy city builder lets your brain turn off the "we need to be on max alert because things could go south at any moment" switch and turn on the "we're safe, let's relax" switch. If you have a boring job / life, you might enjoy running into a horde of demons at low health and ripping their faces off with your bare hands while dodging bullets and fireballs. That way all the built-up "Danger! Run for your life!" hormones get spent in the high intensity experience and don't activate when you're trying to sleep, or at low levels throughout the day causing chronic low-grade mental and physical health issues.