> Unless you’re using a true random number generator that works on a mechanical/electrical process…
…you're not using a one-time pad. OTP requires the pad to be truly random: at least one bit of unique, never-used-elsewhere entropy for every bit in the message. Merely XORing some plaintext with a pseudo-random stream based on a smaller seed, which as you say is the basis for various other encryption algorithms, is not a one-time pad.
The real problem with OTP is key distribution: You need to share pads with everyone you might want to communicate with, one pad per sender/receiver pair, and those pads need to be at least as large as all the message you'll eventually want to exchange. There is no OTP equivalent to public-key cryptography where you only need one private/public keypair per recipient.