While your example of `sum` is a nice, pure function, it'll unfortunately blow up in python on even moderately sized inputs (we're talking thousands of elements, not millions) due to lack of tail calls in Python (currently) and the restrictions on recursion depth. The CPython interpreter as of 3.14 [0] is now capable of using tail calls in the interpreter itself, but it's not yet in Python, proper.
[0]: https://docs.python.org/3/whatsnew/3.14.html#a-new-type-of-i...
Yeah, to actually use tail-recursive patterns (except for known-to-be-sharply-constrained problems) in Python (or, at least, CPython), you need to use a library like `tco`, because of the implementation limits. Of course the many common recursive patterns can be cast as map, filter, or reduce operations, and all three of those are available as functions in Python's core (the first two) or stdlib (reduce).
Updating one or more variables in a loop naturally maps to reduce with the updated variable(s) being (in the case of more than one being fields of) the accumulator object.