At least from my personal experience, they're all too believable, and I'm sure plenty of others here have similar stories.

A couple of nights after the election I spoke to my father, and he could tell I was quite upset. He told me how I shouldn't worry because Trump was going to make everything better since "Joe and the Ho" hadn't done anything. Not even one or two sentences later he was telling me about how he needed to get all of this medical work done by the end of the year (he is on Medicare), because his Medicare agent told him they expected a good majority of those benefits to be cut next year by the upcoming administration...

Between the many similar stories from other family members and friends, the increased searches for "Project 2025" and "change vote", I really don't think it's a stretch at all for most to accept these as true, because many people are experiencing it firsthand.