I don't have a vehicle with a diesel engine, but when I read posts about the lack of lubricity in fuel does that mean that everyone on the road uses some sort of additive? If not then are there widespread failures of pumps?Not since ULSD was introduced, modern diesels in light cars and trucks still struggle with lack of lubricity--particularly Bosch HPFP like the one in your Powerstroke. Also, there was a case study performed in Australia a few years back that showed TC-W3 did nothing for lubricity.
Stanadyne, Diesel Kleen, and Howe's work pretty well to increase lubricity and prevent gelling.