That is also a very interesting way to think about it, if I understood you correctly. Seeing the host as another player, any "bad luck" he has, should translate into myself having a higher chance of success if used correctly.
With the host as another blind player, his opening of 98 goat doors only increases the probability you were right from 0.01 to 0.5, so still makes no difference for you to change. But of course the original version of the problem is predicated on the host knowing where the car is and only revealing goats.