What ragdoll avalanche is happening in towns? This RPG isn’t set amid an immersive simulation with Teardown’s physics. It’s some guys walking around a fairly static environment. Even if the cloth animation is jawdropping or dust falls off the awnings as you stomp past, that’s not an O(N^2) situation. Hell, even when every thing can bump every other thing, there’s acceleration structures for that. A falling brick isn’t hitting anything in the next town over. A dropped helmet shouldn’t bounce to the moon.
This problem is not new. There can be reasons. But not excuses.