Mostly good points but I disagree with some:
2- Relatively high kilometrage is not excluding light load and it can be driven in urban driving accumulating from short trips, slow speeds, many cold starts and lots of idling, which all can expose to crust.
b): As the fuel is direct injected to combustion chamber, the quality of fuel cannot be the cause to crust in valve stem.
2- possible but not probable, the forumer could tell us about his habits.
b) It can surely be. In diesel engines, fuel injection comes in the last part of the compression time so, considering no valve leaks, no fuel can go back to inlet manifolds.
In petrol engines using direct FI, something of similar happens only at low loads and low-medium revs, and it's called stratified charge; in this mode petrol is injected after inlet valve closing and you would be absolutely right, but for high loads and in some other particular conditions (depending from each model) the engine will shift in homogeneus charge, and petrol will be sprayed inside during the intake timing, so when one or two* intake valves are open. I-VTEC Honda engines can vary some intake timing parameters, but they cannot avoid at low and medium revs some little backflow of air-fuel mixture, and engeneers want this to keep valves clean. If you have bad fuel, injectors can work bad getting dirty ann clogged, so the spray won't be nice and homogeneus, but its direction and drop dimension could vary. Considering this matters, can happen to find fuel in the intake manifolds even in a direct injection engine.
* First Vtec engines we use to think about were very high power Civic 1.6vti, or 1.8 Integra Type R... marvellous pieces of engeneering where the Vtec was used to gain very high revs and high power, joined to a good torque at low revs. Phase and timing pattern had two configurations, one for low revs and another for high revs, both with two intake valves opened.
Our engines have a "different purpose", less sportier, so the Vtec system is used to open one or two intake valve depending from what the driver needs. If you look at cam profiles, you will see that lateral cams are different, one is quite circular, the other is standard, so in "vtec mode 1 only one valve will open, the other will stay closed or will slighty open just to help the swirl. On vtec mode2, when the pin locks the inner rocker arm with the two outers, bothintake valves will open and the engine will have a tumble mixture motion. A single intake valve gives more turbulence and better firing at low revs, two valves give power increasing the amount of air entering in the cylinder.
So the Vtec is used for opening one or two intake valves and for changing the lift, while the VTC is used to change continuosly the phase.