"Rare instance card"? That's a loaded insult, not an intelligible category. By definition, all teams other than the eventual champion are "subpar" or "injured." And all teams have a player with an injury somewhere. I can de-legitimize almost any champion for any season using your "logic".
The Spurs' strategy since the end of the 2010 season has resulted in three 1-seeds and one 2-seed. They have gone to the Western Conference finals and then the Finals, where happenstance prevented a 5th championship. No "injury" or "subpar play" by Miami allowed the Spurs to take Miami to the very brink. The only other team to make the conference finals or the finals in the last two seasons is Miami.
The Spurs' strategy since 2011 is working better than any other available strategy. There are 30 NBA teams. Since 1990, only 8(!) teams have won a le. Only slightly more have made the finals. And yet the Spurs---a tiny market avoided by all big-name free agents---made the finals last year, and the conference finals the year before.
There are basically two strategies for championships; transcendent talent or team ball. However, they are not exclusive, so teams generally fall on a spectrum between the two. The Spurs relied more heavily on the transcendent talent of TD from 1999-2010. As that strategy began to fail them, they went to team-ball (and innovated in so doing).
Most fans, including presumably you, prefer to pursue brand-new transcendent talent as the primary strategy. And yet, every year virtually every other team pursues just that, and they fall flat on their face. Only 8 teams have won in 25 years! What are the chances you get the best talent? A once-in-a-generation talent is just that. So if you aren't the lucky SOB that drafts Duncan, Lebron or MJ, you are left with the only other viable strategy - team ball and the best players you can find. Obtaining a transcendent talent via free agency is the only other option, but good luck with that if you aren't the Lakers.
This isn't just some theory. In only the last 10 years, two teams have won championships using this approach, Detroit and Dallas. And the Spurs were at the cusp just last year. I can also make an argument for the 2008 Celtics. Otherwise, it's been the Kobe/Shaq/Duncan/Lebron show. The team-ball concept works even better when you have a transcendent talent on the latter half of his career, like Dallas with Dirk in 2011. And like so with the Spurs and Duncan.
Someday, the Spurs will blow it all up when they feel they no longer have good-enough talent to win with a team ball approach. Then, tanking and getting a top pick is the best option, despite providing a franchise only an infinitesimal chance that the pick ends up being a transcendent talent.

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but but Finals MVP against Boobie Gibson!!! 