To make some slight amendments (although I agree with your general points):
IC: 1 - lost to Janetty; 2 - forfeited via suspension; 3 - forfeited due to that attack you mentioned.
Tag: 1 - forfeited when WWE split his team (a slow burn starting at Summerslam '94 the day after they won the titles, ending at Survivor Series a couple of days prior to Diesel winning the world title in record time); 2 - decision reversed due to controversial finish to match
WWE: 1 - pinned by Sid; 2 - forfeited due to "losing his smile"; 3 - pinned by Austin
Euro: pinned in a farce by stablemate HHH
The thing is, almost all of those changes fit the storyline. The cool thing to say is that 'obnoxious Michaels forfeited more titles than anyone', but actually people neglect to see the bigger picture. As you say, very shortly after losing the tag titles, his partner Diesel became the world champion (up to this point, WWE's on-screen rule had always been that you could not hold two titles simultaneously, which is why the Ultimate Warrior ceded the IC title after Wrestlemania VI, and Bob Backlund, who won the tag titles whilst WWE Champion, was never allowed to be recognised as a tag champion, the previous champs getting re-awarded the belts). If you look at the storyline, the only reason HBK and Diesel got the belts in the first place was to boost Diesel's face prospects when the inevitable split happened, so the fans would be that much more accepting of him as a face world champion.
The nightclub attack, whatever the reason, you can't account for that. Given it was verified by at least two others in Sean Waltman and Davey Boy Smith, it's not like it was fabricated. If you look at the subsequent IC reigns, Shawn was due to face Dean Douglas at In Your House 4. If people are suggesting Shawn found a way of deliberately not 'jobbing' the title to Douglas, why then did WWE go down the route of having Razor Ramon beat Douglas for the title the same night? Surely this implies that Shawn Michaels had in fact been booked to retain v Douglas at In Your House?
The Marty Jannetty claims, I've always felt they were equally absurd. It is well known that Jannetty was gone for a year after the Rockers split after demanding more money off Vince. When he came back, the IC title match at the Royal Rumble was a technical masterpiece, easily the match of the night, and it definitely helped elevate Shawn Michaels in the eyes of the fans. So Vince had NO reason to believe that Marty was at fault for a bad match, simply because the match WAS NOT BAD. Now, whether or not Shawn did make up stories about Marty after the event is a different matter that I couldn't possibly know, but it certainly wouldn't have been in connection with a match that, by this point, had arguably been the 2nd best match in Shawn's singles career (after his Survivor Series loss to Bret Hart)
I don't know why people like to paint certain pictures of Shawn Michaels. It seems that, especially since he himself acknowledges that he was a dick when younger, fans like to go back and find any mud they can throw at him. I can't believe an earlier poster has insinuated that his back injury may not have been serious (that's some story to get out of legit losing a title, taking 4 YEARS off of active work!) The only one you can attribute to him refusing to lose (discounting, as Taylor did, the ridiculous Euro switch) was him losing his smile. That was a dickish thing to do. But the rest, by and large were all either genuine or fit the storyline. Bottom line is, I wish people didn't always believe the first thing they hear.
I can agree with a lot of what you're saying. But at the same time, while accusing some of only looking at HBK's track record in the 90's in one light, you're really just doing the same.
The title forfeits did fit into the storyline... because they had to. They also increasingly had more to do with the fact that the guy simply would not do business the right way, which is what still rubs people so wrongly about him.
The first IC one where he was suspended was easy enough to work out, since it was an internal suspension and they didn't have any real urgency to get something done quickly. In hindsight though, this is the beginning of another troubling trend behind his forfeiture record. The beneficiary of it happens to be Kliq member Scott Hall.
The second IC forfeiture had a little urgency to it, but truthfully didn't even need to happen. I'm pretty sure Shane Douglas is the only one who believes he was getting the IC title that night... but why forfeit the belt? Why not just do an injury angle and set up a rematch for the next month... like has been done time and time again in the business? Why advertise that your babyface champion got beat up by a bunch of Marines? The Internet wasn't much of a thing at the time... it wouldn't have been a known incident if they didn't make it known themselves... and Michaels wasn't so badly hurt that he needed a lot of time off. He worked RAW with Owen Hart a few weeks later. To me it raised more questions than anything, like why would a pack of Marines beat this guy up? And why was this so bad that a guy who fought for a living couldn't defend his title anymore? Because up till then, fans were conditioned that babyface champions were the types of guys that wouldn't quit, and who's championships meant more than anything to them.
The truth behind the second forfeiture is that Vince already had it in mind that Shawn was going to become his champion at Wrestlemania, and he needed to get the belt off of Shawn and still have time to build him properly for WM. Shawn, already in the mindset that he didn't want to do anymore jobs, took advantage of the real life Marine situation to get out of having to do a traditional job to drop the belt. Plus once again, by getting Razor to beat Douglas for the belt, the Kliq got to reap the benefits.
So when you get to him 'losing his smile' and forfeiting the heavyweight title? Well that was so blatant that it's hard for anyone not to look at his previous history and question it... especially when that previous history is so extensive, and the man himself is less than honest (he still says that he had to drop that title because of a legit knee injury, even though a week later he was prancing out to do commentary)
I have a hard time blaming Shawn completely for Marty Jannetty like Taylor loves to do. Jannetty was his own worst enemy. Incredibly self destructive, and never really grew up. When they were a tag team, they were notorious partiers on the road, and there's more than one story of them trashing hotel rooms, trashing hotels in general, and getting involved in shit that if they did it today would be constant front page TMZ news. Shawn to his credit, when they split started taking his career more seriously, and while he didn't tone down the partying, he took it in a different direction that wasn't so outwardly destructive. Marty on the other hand, just kept doing the same thing he'd always done. The guy has a record for number of times he's been fired and rehired by that company. I think it's in the double digits by now. Shawn didn't help his old friend in the 90's... but it wouldn't have mattered. Marty was going to fuck things up no matter what.
The back injury and some people not believing it? I wouldn't be so outraged at the thought. Many people think that... including people who knew the guy personally. Most feel that while he did hurt his back, the severity of the injury itself was extremely overstated, and that the real reason that he was gone for so long is his drug problem was so bad that they wouldn't let him come back to stay until he got clean.
The reason many feel that the injury itself was overstated? Because of the fact that it was supposedly career ending, and he was able to come back, work the exact same style without any noticeable modifications to protect his back, and do it for years. Even before he was wrestling and they'd bring him back in the various capacities, he still didn't seem to have any of the issues getting around like you'd suspect a guy whose back was supposedly as bad as Shawn's was. Pull up some Shawn Michaels commish stuff on Youtube and ask yourself if you've ever had back problems, if you could move around like he does?
Plus finally, while he is forthcoming these days about the type of jerk he used to be... it also seems to me that when it comes to dickish things he did professionally, he's not nearly as forthcoming... like that's something he's still protecting.