re: Golfers do you believe any of these handicap numbers?

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The handicap takes your top 10 scores of your last 20 rounds.

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Which makes me think the handicap scores listed have to be their best handicaps ever.

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So, a 2.8 handicap would require someone to average around a 74 for half of your rounds. You just can't do that playing sporadically.

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Agree with your point here, and will say if you are playing the same course(s) for those 20 or so rounds; very good chance you will be able to knock that handicap down a bit just from a comfort level & knowledge of how the course plays.