Isn’t it so that if you play hardcore mode (your character dies permanently), and you disconnect for any reason, your character is considered dead? Online only requirement goes really well for that kind of game mode, where it might be the server that falls offline, and not your PC…
As far as I know Lemmy stores only text locally and images and such will be linked to the external instance. Text doesn’t use much disk space, so that shouldn’t be a big a problem. Sometimes when you browse Lemmy, you notice posts that have broken links to images. It’s because the other instance is down, but you can still see the text portion of the posts on your home instance.