Andy, yes, you're right on regarding how well one plays.
What seems to be forgotten is that a 15 and a 5 hit similar shots when they hit them well, but the 5 is more consistent.
From experience, if I am playing reasonably well (that is, executing at least some of the shots as I want to), then I am able to look at, and consider, the hazards. Even if on a particular I do not execute, I have seen and evaluated the choices. On the other hand, if I am playing terrible, I don't hit shots as I want. As a result, challenging/using features becomes less of a likelihood and my focus is diverted away from the golf course and toward my golf swing.