1. Do you think a lower handicapper is less bothered if he is beaten by a different 40 handicapper every week? Not at all, so that question does not make a jot of difference
2. I used 40 handicapper simply as an example. I could have used 20 / 30 / 40 / 50 / etc when comparing to scratch golfers, I was simply talking about Division golf. Since WHS golf came in, plenty of high 20's / 30's handicapper won comps with scores approaching 50 points. Medals were split into Divisions, to protect lower handicappers from these guys. My new club does not let anyone with a handicap over 24 to play (they can play, but 24 is their limit).
3. At my old club there were plenty over 30, and certainly many high 20's. 40 is irrelevant, you can have a young guy come into the game of golf, put in 3 scores, get an Index in the 20's, and you know within a few months they'll be mid teens and even approaching single figures. Plenty of examples of that, pre and post WHS. WHS simply provides a few extra shots to higher handicappers compared to pre WHS.