Look, even driving two 1080p displays with the internal display “off”, is too much for this laptop, while a single 4K display which is literally four 1080p put together works just fine.
And yes I can imagine those things you described. I’ve used an M1, I have followed the benchmarks and real life testing, and the chip is more than capable of handling such basic things without a fan. (Or with a fan, since you know the M2 mbp has the same limit).
Someone making the display driver stack is either a complete moron or this is an attempt at product segmentation. I’m going to bet on the latter.