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Yeah, my dad died in debt (Norway), and we were able to pick any personal effects of minor monetary value without issue, and then make the choice whether to take the rest of his assets and the debts, or neither.

It only really becomes an issue if you have a strong personal attachment to assets that have high monetary value, like e.g. perhaps your childhood home - otherwise it boils down to a financial consideration.

You aren't inheriting the debts - you are inheriting the estate after all debts have been settled. So the estate could be worth 0, but you'll never inherit a negative estate.

That's exactly how this works. Either you take all of it, debts included or nothing. Or in some countries you let lawyers sort it out first, where they make sure all debts are paid off, they take their fee, and then you inherit whatever is left.