I've had probably 5-10 microSDs fail in the past 10ish years personally with some more at work. Full size cards I don't think any failed but also less use.
My last sentence: "You may in theory be able to do so, but the voltage drops too much during that last 5% (indicated), causing the drone to shut down."
You say this is "untrue". You base this on experience with healthy packs, and believe...