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SpaceX was claiming it would take five Starship launches to store enough fuel in the depot to perform one lunar mission (which is innately strange considering Apollo did it in one launch on a less powerful rocket, but that's not even the point here)Apollo was disposable. Starship is not. Apollo could thus max out payload at launch, which Starship cannot do design or fuel budget wise.
The Apollo paradigm was for literal moon shots. Starship and Artemis are more about building infrastructure.
> according to NASA, SpaceX has failed to adequately account for cryogenic boil-off in their plans, meaning that they expect it will take about twenty Starship launches per lunar mission
That is not NASA's position. Folks at NASA and SpaceX disagree around the boil-off rates. Everyone thought about it. We just don't know what it is. We should have a preliminary figure next year, and a final-ish one within two or three years (after the first vehicle's boil-off characteristics are optimized).
But yes. There are major engineering challenges in-orbit propellant transfer could raise that could require going back to the drawing board. Hence why I flagged it. Given that's something humanity has never really done, it seems like a fair risk to take given the upsides.
(Note, too, that in present designs Starship must function as a launch vehicle, spacecraft and fuel tank. That's not required long term. Well-insulated orbiting fuel depots start making sense rather quickly if you have <$1000/kg launch costs.)