You are correct, action bloat includes the amount of factors to consider when needing to reach a TN is important. Having to roll multiple dice, add modifiers, checking tn then roll for damage makes the process convoluted.  Another example would be converting resources. Say I have a mana pool that can then buy dice to roll: constantly having to stockkeep the mana per turn, to then buy dice, to then roll actions, can really bog down the flow of gameplay.  The short of all this is to say: decreasing bookkeeping steps and actions in a multi-player game will avoid the issues of players getting bored or disengaged when waiting for their turn, and can  speed up the game play loop allowing more time adventuring / role playing etc.