The third option is to use the native secret vault. MacOS has its Keychain, Windows has DPAPI, Linux has has non-standardized options available depending on your distro and setup.
Full disk encryption does not help you against data exfil, it only helps if an attacker gains physical access to your drive without your decryption key (e.g. stolen device or attempt to access it without your presence).
Even assuming that your device is compromised by an attacker, using safer storage mechanisms at least gives you time to react to the attack.
Bethesda brought HD texture packs for Skyrim and Fallout, yes. But they are free DLCs and came out several years after release. Bethesda did a paid modding shop.
But this is a feature that other games just have, that’s paid, on a preorder full price AAA game that’s already more expensive than other games.
Stop trying to compare, this is a whole new precedent of greed and mtx.