Project Zomboid. That’s the most recent game I can think of where I reduced the difficulty (and that’s coming from someone that has nearly 400 hours into Elden Ring). It’s not that the game is tougher than ER or anything like that. It just has a ton of cool mechanics and detail that are really enjoyable if you’re into zombie survival games. The zombies can really swarm you in that game and you won’t live long.

It also has sandbox mode where there’s no zombies and you can focus on farming, building, etc.