I agree with 99% of what the OP wrote, apart from this bit:
It's late February, and we have the same number of points (28) after 26 games, that we did at the same stage in 1993/1994 AND 1997/1988, both seasons when we very nearly did go down.
I'm not saying we will get relegated, but the blase attitude that is prevalent amongst some Evertonians that we won't isn't helping anyone.
Dare I say, the players read/hear this ('You're too good to go down') and start believing it, to the detriment of their form, resulting in a lack of urgency and mettle, and ending up with us drawing games at home to the bottom team.
Personally I think part of our problem is also that the manager is too positive, too nice, and too soft. I don't get the impression he is capable of kicking any of them up the arse. He's loyal to a fault, players get picked based on being favourites rather than form (Howard, Barry). Everyone is a 'fantastic player' - I get the idea of boosting everyone's confidence, but sometimes this leads to players thinking they are much better than they are, resulting in delusion.
We are not too good to go down, and you can't say with certainty in late February that we won't.