It has nothing to do with clogging the toilet or how much you are trying to flush. When you have to cut them off a snake with a sharp knife they are not biodegradable in the system. Low flow toilets exacerbate the problem because there is not enough water to carry them down long runs of drainage pipe and they do not break down on the way like toilet paper.
When they enter a septic tank, they do not break down and can clog the fields and damage the system.
Municipal systems can’t cope with them either because the grinder pumps at lift stations are not made to chop up the material they are made of and get jammed.
I’ve been on countless calls due to these wipes when there was never a problem before the use of them.
Well, like I said, I’ve never had a problem using them, and none of the ones I’ve seen are nearly as tough as you describe - hell most of them tear (if you’re not careful) while being pulled out of the dispenser , which is silicone gel. I think a lot of people are using wipes that are not by design flushable and not degradable in the system (those are much stronger). I’ve watched the Cottonelle brand dissolve in water.