DMs will regularly change the stats of enemies to fit the party on the fly anyways, it's not really the same.
Similar issue I have with things like e.g., 3e/PF weapon focus feat in cRPGs. At tabletop, a DM will alter drops to make sure your weapon focus isn't useless. In a cRPG, unless you've played it before, there's a good chance you may never encounter a single weapon worth using in your focus.
DDO(3.5e-ish homebrew) solved this by simply grouping like weapons(e.g., "Weapon Focus: Slashing"), which feels good enough to me.
I'd be impressed with a cRPG that's smart enough to acknowledge feat choices on player characters and slightly fudge the loot though.
A lot of cRPGs feel like they're designed by people who never actually DM'd a tabletop RPG