Something's Off About This Rogue Cultivator

(No System, nearly invincible, lighthearted, slice of life, one super-sweet female lead, intelligent characters) Breaking away from the usual tropes of the female lead being kidnapped, or her family and master being captured. Her path to growth isn't driven by outside pressure. Modern-day office worker Chen Tao is unexpectedly reborn in another world. Here, sects abound, and strength is everything. Do I need to join a sect to get cultivation techniques and resources? I don't. Pick a fight with the major sects? Not a chance. If a problem can be solved with your brain, why resort to violence?