Ah, but being tidally locked isn't necessarily a death sentence for a habitable world. Terran Eccentric worlds exist in Starsector, worlds that are otherwise habitable but are tidally locked to the parent star. These exist both as handmade and procedurally generated worlds - though only handmade worlds have stellar shades / mirrors at the moment. Also, the possibility of life doesn't matter in this case - just whether or not the atmosphere is breathable.
I don't think I've ever seen a Terran world orbiting a Blue Giant or larger, or anything habitable at all orbiting anything like a Neutron Star or Black Hole in Starsector, so you can feel fairly safe there. I have seen, once, a Water World orbiting a White Dwarf though. Also, for the sake of balance I believe, Terran (and Terran Eccentric) worlds are capped to 5 total or so per sector in my own experience.