All of which are caused by heat.I understand you're being very specific with the word fade, however it's still brake fade (reduce in friction) the braking system fades away it doesn't have to be from heat but yes that's most common. Loss of stopping power, or fade, can be caused by friction fade, mechanical fade, or fluid fade.
example would be, riding downhill on a bicycle and trying to stop so you apply the brakes except you keep pedaling. There are times where putting the vehicle in neutral would be the equivalent to stopping pedaling in the given example.I don’t know if it matters for this, but why do you put it in neutral to use the brakes?