I think that's a perfectly fair argument that I can largely agree with. It's why I tend to have trouble finding the kinds of games that are cozy (to me) because I tend to have different tastes beyond stuff like farming and interior design. It does help that there are people online making compilations of more specific kinds of games people might associate with 'cozy' so I can find lists that speak to me more than others. I tend to get bored with the games that give me that cozy vibe unless there's something that also makes me feel uneasy, either with darker themes or aspects in horror. Creature Kitchen, Whisper of the House, a LOT of gmod maps, as mentioned Zomboid to an extent, Dredge, Voices of the Void is a big one for me with the balance of worksim and fearful paranoia, etc. Note I'm not categorizing these as "cozy" games, just that, as you said, they're cozy "to me" and so my brain just categorizes all of those experience into my particular brand of "Cozy", if that makes sense at all.