Sure, everyone has personal challenges but the reason I brought that up is due to the timing of those challenges. If you saw Raf's interview, Mao found out about her mother's condition around 2008, it forced her to leave her coach at that time and return to Japan and this started a period where I suspect she was coaching herself. TAT was her official coach but it was on a part-time basis and TAT did not leave Russia. So yeah, I think this incident had profound effects on her skating and career. A lot of those things you mentioned happened earlier in the skater's career when a skater hasn't become famous yet. While they are preparing for the Olympics, their coaching relationships remained secure and they had good support. Usually, when a coaching situation and/or skater's training is disrupted before the Olympics, it has a negative effect (Michelle-Caroll breakup, Chan's breakup with his coach).
I believe all skaters have their own weaknesses and strengths, however, sometimes the system do not balance things out equally. For example, both Ito and Lynn could be said to be far superior to their rivals in some aspects yet could not overcome their weaknesses in figures. There are certain qualities of Mao's skating that are superior (carriage, extension, spin and spiral positions, steps) yet she is competing a system that magnifies her weaknesses in comparison to others.