I absolutely agree. But... the quantum mechanical "it doesn't really have a state until you observe it" could make sense as the simulation optimizing by skipping the parts that nobody can see.
Except if that were the case the quantum system could have a determined state, it just doesn't. But the Kochen-Specker theorem[0] proves that it cannot have a determined state. Quite possibly in any universe, though I'm not sure if that's been proven yet.
[0] https://en.wikipedia.org/wiki/Kochen%E2%80%93Specker_theorem