but house rules are the ultimate best answer because it should be about tailoring the experience to your group so everyone has fun not a debate session with a bunch of rules lawyers
This is an opinion I'll never truly understand.
Why is it that ttrpg is one of the only industries (along with software development) we,
as paying customers are encouraged to enable developers to be lazy and incomplete?
This is not applied anywhere else.
"You bought a house and it was missing windows? No problem! Just put them in yourself. It isn't so hard!" (It really isn't.)
"You bought a car and it is missing a steering wheel? Just make your own!" (This one runs into safety laws, I admit.)
And just in case those two are too high priced to be apples to apples:
"You ordered a chicken sandwich at your favorite fast food joint and got a burger instead? Just make your own chicken to eat instead!"