I can understand why you won't argue the point, because you and Prathmann basically agree. Fretting and false brinelling are two terms for the same process.

It's a common issue in stationary bearings, which is basically what a headset is. The slight movement when riding isn't enough to ensure good lubrication at the points of contact and the constant road vibration does it's damage.

The way to prevent it is to be a lousy rider who can't hold a line and constantly swing the front wheel side to side .as you wobble down the road. I understand alcohol helps