Your mistake is using default aircraft - most consumer simulators will have poor renditions of aircraft that ship with the base game, mainly because the majority of development time is spent on core mechanics and the game engine. Download some high quality 3rd party aircraft and it’ll change your mind.
In FSX and previous editions of Flight Simulator this was true. However, MSFS uses blade element theory, the same technique X-Plane uses, and recently introduced CFD. Load into the sim, turn on developer mode and enable the aerodynamics debug options to see it in action.
I helped found this project, originally a simple modification for the A320neo that shipped with Microsoft Flight Simulator (2020). It has since grown into a pretty complex open-source add-on with dozens of contributors - something of a rarity in the flight sim world where the norm is either payware or closed-source freeware addons. Here's the link to the repo: https://github.com/flybywiresim/a32nx/ Would love to hear feedback and thoughts!