All (action)games I know of don’t have real and proper surface collision detection, except some physics games. Just an example: If my Char hits something or someone the weapon goes straight through without any physical reaction, it just counts the damage I’ve done. Are there any games out there, in which physics are calculated correctly and taken into visual account?!
Maybe games with destructible structures? It depends on which is the main mechanic of the game, if it’s relays on physics, there would be accurate collision detection (or at least as accurate as it needs them to be).