This has happened to me a couple of times and I’m just not sure what it is.
One time it was in Norway approaching Bergen with a Cessna Skyhawk I believe. Second time just yesterday around the Aleutian Islands with a JMB VL3.
Engine just shut off by itself on final approach on both occasions, flying low at around 2000ft. I still had fuel left. The areas are cold but there were no icy conditions that I was aware of. Certainly there was no ice build up on the plane. Propeller kept working, but you could hear the distinct sound of the engine dying and the plane lost lift. All I could do is glide somewhere and hope for the best. The second time I was actually able to perform a water landing, surprisingly. I didn’t even know those were possible (I’m not playing under true to life settings but collisions are possible and normally the landing should’ve resulted in a crash).
I mention the final approach because the one thing both cases have in common is that I was approaching the airport following ATC directions and the problem happened right as I started the final maneuver.
In any case, I don’t know if this is a bug or something I’m not quite getting. Both times I had no idea what happened and I could not restart the engine.