Telling someone that they don't like writing a good story just because they hold a different opinion than you on how much detail should be on a sheet is definitely an insult. You may not mean to, but you're coming off as kind of disparaging and elitist. You need at least some detail on it, or else the GM has absolutely no idea what to base their acceptance/denial off of. And if you're going to explain it somewhere else, why not just take the time to put it on a sheet? I agree that the level of detail Terminal and Darkmatter put into their sheets isn't necessary, but there's nothing wrong with them doing so.