Hi Jim,
I think the key distinction here is between creating/importing the desired vLCM image and actually applying it to an existing VCF-managed cluster.
You can create a new desired image containing the same ESXi 9.0.2.0100 base image and update only the component you need, for example VMware Tools 13.1.0 or an updated vendor add-on, and then import that image into the VCF lifecycle workflow.
However, I would be careful about simply changing the image in vCenter and remediating the cluster directly. Because the cluster is managed by VCF/SDDC Manager, lifecycle state needs to remain synchronized with VCF. Broadcom specifically warns against performing certain vLCM lifecycle operations independently of SDDC Manager in VCF-managed environments.
So your observation is valid: the difficult part isn't creating the new image; it's applying an image that only changes VMware Tools, a vendor add-on, firmware integration, or another component without performing a normal VCF release upgrade.
VCF 9.x does support importing vLCM images from vCenter into the VCF lifecycle workflow. In fact, Broadcom has a KB specifically covering cases where VCF Operations fails to display images created in vCenter during the Import Image operation.
I would therefore use the VCF-supported image import/apply workflow rather than independently remediating the cluster from vSphere Lifecycle Manager. If the imported image isn't being offered as an applicable update because the ESXi base version hasn't changed, that may be a limitation of the current VCF 9.0.2 lifecycle workflow rather than something you're overlooking.
This becomes particularly important with your second example. A critical OEM driver/vendor add-on or firmware fix may need to be deployed independently of a full VCF release, so VCF needs a supported mechanism for reconciling that updated desired image with the existing cluster.
I wouldn't modify/remediate the VCF-managed cluster directly through vCenter unless Broadcom Support confirms that specific operation is supported for VCF 9.0.2.
Hope this helps.