I don’t think the importance of the information stored changes the fact that storing it all in one centralized place is generally a bad idea. The latter is a bad idea, the former is a bad idea but with worse consequences. A decentralized internet is a healthy internet.
As a fellow management sim and automation game enjoyer, I understand your love for Rimworld and why Stardew does not scratch that itch. But the appeal of Stardew is I think just what you’ve figured out for yourself, it’s the anti-management, anti-automation game. The part of the brain that Stardew taps into is the one that likes to make things with your hands. It’s a bit more tangible feeling of involvement which is its own allure that is wholly distinct from the one where you watch a bunch of cogs turn in a machine.
I love playing Satisfactory and Factorio and Rimworld, and at work I spend a lot of time automating and analyzing and alerting. Stardew is the game I play when I’m burnt the hell out and I don’t want to diagnose why the automation I’ve written isn’t doing x thing or giving me Y result. I just buy seed, plant seed, water, and harvest. There’s very little planning and virtually no troubleshooting. You just put X effort in and get X benefit back. It’s why so many IT guys retire and become goat farmers.