Can't vote on this, either. There is an overall world story in my head. What type of world, what type of theme, for instance aliens or western town, or goth and gore, or average cookie cutter etc. Then there are my Sims in many different homes based on who they are in my head. Each household may not visit particular outlets and or community lots because that's not their thing. This is all in my head. It's ok if they show up in a lot but it's probably not going to be directed by me to take them there when I get back to them.
I don't write scripts, I would be bored out of my mind. I set up the whole town and all the inhabitants before I play. That way then when I rotate to each one I may have plans for some of them, depending on who I think they are, and play that out, but if the game changes something along the way I roll with it while mildly guiding them back to their own personality and story in my head but if it brings some surprises, some chaos, some life changing decissions I usually let that play out and see where it goes. It's just a framework in my head, what happens is a matter of what the game does, what my Sim does, and what I decide to do with all that and if I like the direction or not. My saves last for many years irl so yeah, playing a script would have made me not play a save for years but ditch it and start over. The Sims (mine) are themed and the worlds are themed and they usually hold to personality (except in TS4) like I'm not going to add a new building just because it's new if it doesn't fit the story or theme in my head. That would call for a new game using the new building etc.
If I write a story with pictures all that is fake and interpreted. It's easier for me to make up what you see rather than to spend days and days trying to pose a Sim just right that is many hours of work. I have done that both ways, but I have more fun (if writing a story) to take pictures then add the captions and edit all those together to make up a story. But when playing, I play, I don't fake anything.