My problem with “its just cosmetic” is that it turns the entire main screen into ad space, along with loading screens and wherever else they can jam it in. I don’t play game to be advertised to.
Of course I can choose not to buy in, but if it didn’t have a psychological effect they wouldn’t be doing it.
A baby and a vacation aren’t comparable.
Do I “care” about every little detail of their vacation? No, but I’m glad they are happy and had a good time.
People like to talk about their experiences, it’s not really a game.