Of course, many medications that aren't psychotropic fit the bill. Corticosteroids, for a common example, lead to physical dependency too. Most medications lead to some kind of physical dependency after prolonged use, it's just sometimes of very low grade.
The second option is much better from any pathological point of view.
To note, perfect health doesn't exist. We're all broken in some way :)
You’d be right, but it does not do significant harm, especially given how therapeutic the right drug can be in the right doses.
Can it do significant harm? Sure. So can Ibuprofen.
(As an aside, the reason I've gone days without meds is because my insurance company has a harmful policy of requiring "prior authorization" from the same doctor who prescribes the pills, and more than once I've found out it needed renewed from a pharmacist who was only allowed to try filling it the day I took my last pill. I'm tired of this incredibly helpful medication, and the people who depend on it, being thought less of.)
I don't think most people would consider someone servicing an active physical dependency to have a "perfect bill of health", even if you are totally free from disease.