I'm the same Otheral, I try to play as if I was the character in the game. But that damn housecarl was so damn immersion breaking she had to go...
I just cannot kill them if my character would not, I would like the option to have the housecarl wait outside my door in the front of my house and guard that, what if I do not want some random person just randomly assigned to live in my house.
I only broke out of my pacifist character to destroy the dark brotherhood. It was worth it.
If your character had an issue with them or wanted to save the people then that would make sense.