I will agree with your observation that they are not going to make the playoff easy just like what they did last year. I don't know, but it's a totally different mentality for the Nuggets and although the core is still there, it seems that there are issues that we are not aware or it could be after playing so many years and winning a NBA championship, there could be some mental fatigue between them.
Murray is very different, I mean he is healthy but inconsistent, unlike during their championship run. And he is supposedly the second option in this team, but this season, again, he is not doing that.
On the other hand, I never thought that the Warriors are going to lose against the Spurs in this game. I wasn't able to watch it though, but perhaps Warriors are tired because they are into back to back games.
To be fair, that is the trouble with any team that does well for a while, they do well because they do something new, like for example it was for a long time Cavs vs Warriors finals, and eventually everyone figured out what Warriors does, and after that Nuggets became the popular number one contender, so after a while teams didn't know what they should do against them at first but slowly figured them out.
So while Jokic is fine, it is not about just Jokic, if the defensive scheme is to let Jokic do whatever but stop others, and if that works, then that's what they will do. It is not always about stopping the star, sometimes the star is too much to handle and too good, so they just focus on everyone else and leave the star frustrated. That's what other teams are doing right now, they are letting Jokic do whatever he wants, because they know they can't realistically stop Jokic, so instead defensive scheme became defending everyone else much better, which apparently works.