Throughout the franchise, I've never played with the occult. That hasn't stopped me from purchasing packs, however. As a PC player, I know that there will almost always be a mod to help me to control what does and does not occur within my game. Having said that, I still prefer official options. I'm always pleased to see those.
ETA: Had I been a console player with no access to mods, there would have been quite a few packs that I'd have to miss. In TS4, occults are quite a bit easier to avoid. Except for ghosts and aliens, they only make appearances in dedicated packs. That means that a player may have to bypass an object or a mechanic that they really want. Toggles are the fairest option all around.
