You’re confusing simulations of specific events with a simulation environment. If our universe is simulated, then it’s unlikely that the creators of the simulation would be interested in the individual occurrences you’re describing. The universe is what’s being studied, not the happenings inside of it.
Simulations of boats in water don’t care about what’s happening to the water much of the time yet it needs to be there, you seem to be way too confident in your conclusions
You’re still confusing a simulation of a specific event with a simulation of a universe. If you’re simulating a boat in the water, you need the water but you don’t need to build an entire ocean with fish and land near the water and buildings on the land. You just build what you need to simulate. We are clearly in a much larger simulation than one that would simulate an event.