Your right but i put it somewhat more bluntly.
The card is fundamentally broken.
There are always going to be people who don't play at the same settings, or play the same games or even have the ###### card at all who will persist "no... all lies, no problems cuz i don't with all my 782 games and my mates don't" are obviously not being entirely straight (to put it politely)
They have half the Steam library and in all their time never had any V-Ram related issues? testicles!
I would and do believe some people when they quite pragmatically say "its never been a problem for me but there are a lot of stories and evidence about it, plus Nvidia was after all found to be at fault so perhaps it is a problem for some"
The fact is a lot of people will not have this issue a lot if at all for various reasons nothing to do with the cards problems or lack there of, for example some people prefer FPS over Image Quality so the latter will run the highest possible settings which then fill up that gimped buffer.
Be that as it may they are innocently ignorant to such technicalities, but others just don't like their
mistresses name being slandered.
To the latter i hope Nvidia find more ways to take them for fools, fat lot of good it will do deserving victims, they will never see it coming nor know its happening to them.
Nvidia deserve this, but they are not the only ones and Nvidia ain't done with crap yet.