Also, your character doesn't know Saruman's fate, so there's that angle as well...your character is the one in the mix, not you. You read the books, your toon didn't have that luxury.
You are kidding here right? Of course your character does not know. But if you take your statement to it's extent... There would be no need for ANY lore. I mean your character would not know (or know very little) about what is happening. So why have any background?