All of the above are true. I have switched to I switched to the Bosch ES16 brake fluid and have noticed quite the difference. Even clutch and brake response has improved. It has a higher boiling point both wet and dry. Wet boiling point is the temperature boiling begins to occur when brake fluid icontains a certian amount of moisture. Dry boiling point is when there is no moisture present in the brake fluid. See attached link https://www.boschautoparts.ca/documents/101512/0/0/7c8c2217-78dd-0adc-c840-91edb62866a3
Also organic brake pads can be an issue as well because they have a greater tendency to glaze over at lower operating temperatures then other higher end friction materials. Glazing is what causes brake failure and once pads are glazed over they loose much of their friction ability and so stopping ability becomes compromised. Organic pads are easier on rotors and are very good for in town driving because initially they grab better than other materials. But in hard braking situations like riding hills or pulling a trailer they begin to glaze over and loose their braking effectiveness.