I think subtly is overrated in regards to representation of all kinds and it’s this kinda detached from reality approach. In the real world people say their sexuality, their gender, their disabilities and they come up with names for them. People naturally name things, if it’s the standard for people to do a thing, having a word for not the standard makes sense. It would not be weird for a character to mention to a friend their autistic or whatever. It is honestly weirder if they never tell anyone about a thing they know they are. Obviously, a character may not know their autistic but that also can be an interesting piece of story telling. There is this strange aversion to using labels because “the word wouldn’t exist in this world”. Why does English exist in your world, do the English people exist, a lot of words exist because a particular culture or person or place exist, why is it only when it come to marginalized people we need to point out this disorder is named after a real world guy or that lesbians are named after the isle of lesbos? If we’re communicating a game in English we can assume this world is using the language for our understanding but would likely have some other language because that’s just how reality works. We are writing for our audience who exists in the real world and knows about these things.
In terms of physical disability in a magical fantasy setting there is tons of ways to represent things. People who lost limbs and use mounts of chairs or prosthetics all make sense. There is really nothing that is off the table in a world where sometimes people turn into dragons or horses can fly. If it is less believable that a character has a all surface wheelchair then the person is the one with the issue that they fail to imagine really possible things over literally impossible stuff. Even without chairs prosthetics have existed for a long time, we all know the peg legged pirate or hook armed pirate right, like this tech has exist for a very long time and that’s without magic.
I think it is important to go beyond “I just write them as people” in so much that there are tropes around disabled people and you can very much write harmful representation by following the natural flow as a person who doesn’t have that disability. Like writing a blind person because “it be cool for this warrior to be blind” without thinking about blind people at all just thinking about how cool it is for a guy to kill people and be blind can lead to a lot of recycled tropes. There should be some thought put into the representation.
It’s also not wrong to seek out writing representation actively. If we don’t think about the diverse richness of people we are far more likely to write our mental defaults. We will pull from our communities and our social norms. Meaning we’ll get worlds that look very similar because the cultural default isn’t really reality either. It is perfectly fine for a writer to actively seek out people from communities they want to represent and talk about what they would want to see. It’s good for a writer to do research and consider how they could do representation. It is good for a writer to think “I am making a game for a wide audience, I want people to feel seen, let me represent this group of people, how can I bring a character like this to life in my world?”
There is even disability rep people don’t think of as disability because disability is socially constructed like Glasses. If their life would be actively worse to impossible without glasses that is a disability. If their glasses break on the battlefield they will not be able to fight that is a disability. We just see glasses are normal because they’ve existed for a very long time and we as a society have decided it’s not really a disability because it’s so common and glasses are available for many people.