yeah i also don't see myself setting it anything but normal in this scenario so idk :/ I just feel its bit too vague that way
and most extra challenge i would wish for could be best done as lot challenges tbh
like for example i really miss how dramatic housefires were in sims 1 and i surely wouldn't want it to happen like that on every lot but once in a while it'd be nice to burn down house or 2 effectively
similarily if we ever have zombies or something i really wouldn't want them terrorizing all my lots all the time but it be fun for lot or 2