The second unstated assumption is that the vector index can accurately identify the top K vectors by cosine similarity, and that's not true either. If you retrieve the top K vectors according to the vector index (instead of computing all the pairwise similarities in advance), that set of 10 vectors will be missing documents that have a higher cosine similarity than that of the K'th vector retrieved.
All of this means you'll need to retrieve a multiple of K vectors, figure out some way to re-rank them to exclude the irrelevant ones, and have your own ground truth to measure the index's precision and recall.