Personally, I generally dislike puzzles in RPGs. My character has 20 intelligence. In real life I’m rocking at best 12. I am not going to make the intuitive leaps to solve this cipher like my character would. You’re not asking the fighter to demonstrate a shield bash or the rogue to pick a lock.
Riddles and puzzles aren’t nearly as interesting as explained choices, anyway. Do you take the Sword of Rivers from the tomb, fighting the guardian and potentially causing drought and famine in the region? You’ve been told it’s the only thing that can stop the Fire Elemental Incursion back home. Much more interesting than trying to figure out what a poem means or a sliding block puzzle, to me.
There are less obvious costs to living outside a city, especially if the city has transit. All the car costs, for one relevant example. The health loss from walking less. The isolation takes a toll. The shallower social pool. Fewer cultural options.
Also it’s not like apartments are dirt cheap in the suburbs outside NYC. I could pay $2000/mo for a nice apartment in Plainsfield, NJ… or I could pay a similar amount, not have a car, and live someplace where stuff happens.