What's Essential to Cozy Fantasy?
SPOILERS FOR LEGENDS & LATTES
I've been thinking about this question, and what defines cozy fantasy. I often see people cite low tension, low stakes, and a safe reader experience, but I feel like I've seen exceptions to all of these. I've seen people on this subreddit say that Legends & Lattes isn't cozy enough because of the tension from arsons. The Teller of Small Fortunes deals with xenophobia and uses stakes based in the fate of Eshtera and whether war will break out. A Wizard's Guide to Defensive Baking (although commonly called cozy-adjacent, I admit) starts with a murder! It seems that cozy can be very flexible when certain conditions are met.
The one constant that I've found from reading is some form of sanctuary or refuge. The most common solution is an inn or teahouse or coffee shop where both the characters and readers can retreat from the world and its ills. Even in travelogues you'll usually have a cozy wagon or ship that serves as the focus for the characters' domestic life. This doesn't have to be a physical space, although that's the most common solution. Found family or a strong community can also serve that role. I'm sure there's ways of providing that sanctuary that I am missing in this post. This sort of safe shelter seems like the one constant for all the cozy that I've read.
Am I off-base here? Are there cozies that I'm missing without that sanctuary/refuge element in some way or another? On the other hand, are there constants to cozy fantasy that I'm missing?