Not being a talker didn't stop him in coming back in 2010 (which makes even less sense than coming back sooner) to a purely talk role being the General Manager. Besides, if the screwjob was a work, that means he would have been on good terms with Vince, would also means he would have returned in 2001 for the Invasion angle.
Yeah, he certainly didnt like HBK, but that doesn't mean you need to add extra material to your promos because of it. You find out nowaways how guys don't like each other, but when you hear their promos, they aren't shooting on each other. Bret Hart talking about how he thought HBK's leg injury was fake didn't fit at all the program and was completely breaking kayfabe in a time where kayfabe still existed. Just btw, this argument goes both sides. HBK was as unproffesional if not more when he shoot on Bret Hart with his Sunny references and whatnot.
And I certainly don't buy he wanted to get out of the spotlight. How many interviews he gave in those years bashing Vince and HBK and whom not. Not only that, but if the screwjob wasn't real, it made no sense for him to do that.
As for McFly, by 96, Bret Hart was on his way out. His career was winding down already. He hardly wrestled during 96, taking most of the year off, and when he indeed returned, the entire storyline was about, guess what, being too old. I meant it in the sense there wasn't too much more for his career, so for him to stop refusing jobs was nonsense. Ironically, he was doing what Hogan and others did to him, thing him, guess what, bitch about it (no surprise)
My point about HBK is, you don't job a building superstar. They were building HBK up as their new main event player, even with that, they had him lose high profile matches. I don't care if it was with their friends or not, even in his building process, he lost those matches. He even lost to Sid in the top of his run. However, this is not about HBK jobbing or not jobbing (because he as well refused to do jobs, he even threatened to not do the job to Stone Cold at Mania 14)
My point is, Bret Hart was in no position to refuse doing jobs. Not only because of the point he was in his career, but because it was his last night in the company. Maybe he was loyal, maybe he had been professional (which as you can see, is very debatable), but sadly for him, there were background of champions who left the company appearing in their new companies and thrashing the belt. Ric Flair was professional with NWA/WCW...that didn't stop him from appearing in WWF with their belt (different reasons, same premise). Maybe Bret Hart wasn't going to do it, but the fact is, there was a chance he might do it, and him refusing to do the job with the promise he would do it tomorrow was enough of a reason for Vince to have his doubts.
As for the last part of your post, I don't quite get what you are talking about, but I take it is about Mania 12. It seems you dont know the history. Bret was mad not because HBK got too much offense in, not because he lost the match, he got mad because in his mind, even though he wrestled an incredible one hour match, he thinks he came out of that match looking like a bad wrestler because of the overtime ending they did. That alone screams volumes of Bret Hart's ego right there.