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>And the Spectre vulnerability is the one that requires a BIOS/firmware update.

One of the Spectre variants. The other isn't mitigated by it and will require an lfence on your sensitive areas of apps.

This is a key detail that gets glossed over too much for my liking.

No OS or Firmware update will fully fix Spectre.

All applications that interpret untrusted code (such as Web browsers) also have to be patched.