While the chances of getting caught are low, I wouldn't want to risk this for insurance. If you are involved in a crash for any reason I don't think they are going to cover it if you modified this stuff on purpose.
Playing games on PC has been a trigger for me for a long time and gets uncomfortable quickly. I got a PSVR2 headset last year and it's a great way for me to play games and not be in the same mostly static position all day. I can play games on it without any discomfort (other than wearing the headset itself which isn't great if it's a really hot day) and you can switch up sitting/standing which I also like.
I have a Quest 2 and I've had to limit my playing of it not because of wrist RSI but it seems like I tend to accidentally overextend my upper forearm muscles anytime I play anything twitchy in it, like Beat Saber or action games, and my forearm muscles stretch or tear or something and take a while to heal back up. Super annoying.
I don't think I'm doing anything too crazy with it either, so it's a little worrying, since it's happened pretty much every time I've played it lately.
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