On a good day, there isn't a lot of room between the tabs on the front band and the top ends of the ferrule's "U" they sit near. Indeed, one of the steps in unitizing the gas cylinder is to bend those tabs up and that moves them up and away from the ferrule, providing more room for ferrule/front band lip movement. You're correct in thinking that until there's clearance, the rest of the discussion is moot. In comparing three front bands, two USGI and one SAI, I noticed two things. First, the tabs all seemed bent just a little differently and sometimes with the two sides different, and that could eat up what little clearance there is. Second, the lip is sometimes horizontal and sometimes angled slightly down. On the latter, it acts as a kind of ramp, so the closer the ferrule is to the back face of the front band, the further up the ramp it is, and thus higher and closer to the tabs. It's also possible that the ferrules are at the long end of their tolerance, but with three stocks acting the same way, I'd look at the front band first. (I vaguely remember Gus Fisher commenting that the holes for the barrel and GC aren't always exactly where they should be either.)
Also, it's possible that you do have tension there but without clearance to allow movement, the only way to infer it is that locking up the trigger guard pulls the heel down on the stock with some reluctance.
I've described this as a kind of see-saw, with your shims the fulcrum and the barrel moving up in front (and taking the front band lip/ferrule contact point with it) as the heel is pulled down in back by the trigger group, but your description is the way it works. If the heel is already down, the see-saw doesn't work, so the shims raise the heel, giving the see-saw room to rock.