I’m aware of ludonarrative and ludonarrative dissonance, and use these terms a lot when discussing games. I really like rules design where the rules themselves support the narrative of the game. If you want a really great example, I would recommend the board game Galaxy Trucker by Vlaada Chvatil. Guy’s a master of this.

Another device that is commonly invoked in my group is something called “the abstraction layer.” - Basically, while roleplaying, the details of an interaction either matter to your narrative and game or they don’t. If something is consequential, it’s “above the abstraction layer” and if it’s not, it’s “below the abstraction layer.” Anything below the abstraction layer you just assume the characters accomplish in the abstract.

The abstraction layer moves as your characters progress and the scope of your story changes. Imagine you’re a starting level 1 wizard on your first adventure and you want to cast Find Familiar. The spell claims it requires “10 gp worth of charcoal, incense, and herbs that must be consumed by fire in a brass brazier” as a component.

Per the rules, this is a costed component, so it’s not in your reagent pouch, and you can’t replace the requirement with a casting focus, so your character actually has to source these components, and use of a brass brazier, in order to cast the spell. As a level 1 wizard, there might be some interesting narrative the DM wishes to insert here, where you meet and talk with proprietors of various magic reagent stores, or you have to visit your school or academy to buy some from the stores, or any number of other options.

However, consider a level 15 wizard who’s plane-hopping to race a cabal of Bane cultists to the pieces of an ancient artifact to activate a time-lost monoloth to wrest control over the heavens from the gods. Does your story still care about this 10gp of incense that you need to cast the spell? Or can you just assume that the wizard is capable enough to solve this problem off-camera? Do you even bother to mark down the 10gp cost on your character sheets when your party is rocking 150k of gold and art objects?

The important lesson is that the story you’re telling should focus on the details that matter to your characters, and to the narrative itself. Players who take the time to think about the details, and insert flavour will often tell more immersive and interesting stories, and the rules provide opportunities to delve into narrative, but also consider whether the details you’re bringing are pertinent and relative to the current narrative. It’s good to focus on where the details you’re adding provide context and support for your character and the narrative they’re involved in.