Problem with Fescue

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I would submit that the first reference, which is part of seedland.com, is a seed merchant that has an interest in selling more seed by saying that you should overseed every year. And even they say it's necessary for tall fescue, not all fescues.
The Texas Ext Service says: "Many tall fescue lawns become thin after hot, dry summer conditions. A thinned tall fescue lawn forms clumps and becomes unsightly. To prevent this from occurring, it's usually necessary to overseed fescue lawns in the fall."
"Although it grows best in moist environments, tall fescue has good drought tolerance and will survive during dry periods in a dormant state.....Tall fescue is well adapted to the "transition zone" of the United States where summers are too hot and humid for cool season grasses and winters too cold for warm season grasses. In the South, tall fescue is best adapted to those states in the transition zone - Oklahoma, Arkansas, Missouri, Tennessee, Kentucky, Virginia and northern parts of North Carolina, Georgia and Texas."
So, this advice is coming from and targeted at a state where, per their own advice, only part of the state is even suited for tall fescue. And even then, it's at the very end of the zone appropriated for tall fescue. And it assumes no irrigation during hot dry summers. So, the summer conditions in TX without irrigation are going to be vastly different than those of a lawn with irrigation in CT. I wouldn't be surprised if you did have to overseed it many years in TX without irriagtion. But that is different than telling someone that all fescues need to be overseeded every year regardless of climate or watering. I could show you dozens of agri ext services that talk about and recommend fescues and don't say they need to be overseeded every year. I'd also note that seedland.com is located down south as well, FL I think?, so their advice and experience base may be regionally affected as well.
Where do you live and what has your experience been? I've had tall fescues as well as fine fescues, and shade tolerant varieties. My experience has been that they don't need to be overseeded much more than any other variety. For example, bluegrass can fill in through rhizomes, however what usually happens is, there is an area that gets shot from disease, insects, drought, whatever. And it's big enough that it then needs to be seeded regardless of whether it's fescue or bluegrass, because no one's going to wait for it to fill in.
So, my take is, I agree fescues are not going to fill in and self repair like blue grass. But even clump grasses will grow larger to fill some modest damaged spots. And from a practical standpoint, they only have to be overseeded when significant damage has been done and that shouldn't need to be every year.