Now consider that the Planck time is actually 1e-44 secs.
Hardly any actual physical simulations simulate every possible moment in time. We just calculate consequences of current events and put them in the queue to happen sometime in the future. And there's evidence that the real world works in a similar way.
Bonds jiggle and wiggle with characteristic times in femtoseconds, and most people believe it's not necessary to simulate at higher frequencies than that.
Yes, I agree with that. My point was just that stimulating a rudimentary model of reality is hard work, but reality is way more complex than even that.