Looking for games where I can exist/observe/move in a dangerous/uncomfortable world from the safety of...something

So the feeling I'm after is a little difficult to explain: I love being able to exist in an uncomfortable place from the comfort of something which makes me safe, makes me feel weirdly cozy observing everything around me. For example IRL I love driving a capable car when it's raining/snowing, because it's so horrible outside, but inside my car I have AC, good music and maybe even a warm cup of coffee.

Examples of games that sort of weirdly hit this note are:

- Snowrunner: Being able to traverse difficult terrain with a capable truck, in 1st person, super cozy for me. Getting turned over/running out of gas is no problem, because then I'll just switch to another truck, with which I will bring the help necessary to continue.

- Fallout 4: Usually I play inside a power armor with infinite fusion cores and resources to fix my armor. I can just straight up walk to incredibly radioactive zones/dangerous bandit camps with no problems whatsoever

- Elite Dangerous: I mean space is quite dangerous and horrible, but with these incredible space ships you can straight up refuel from a star while watching the magnificence of it all. Most dangers are also easily avoided/fought against.

- Mad Max: Awful desert, abandoned and dry, full of enemies. But no worries, I have everything I need to explore and survive it all, Magnum Opus, full tank of gas in the back, full canteen of water, and more than enough arsenal/rage to take from others what I don't yet have

The games that don't really hit this note are the ones where you genuinely have to be scared of something, or really try your best to SURVIVE. For example I thought Star Trucker would be a great fit, but at launch it felt more like a survival game of "when will I get my next tank of gas" and "if one more circuit dies I'm fucked", thus not hitting that "cozy" note I'm looking for.