I assume "top three" means drafted with one of the top three picks... which would eliminate Bird and Kobe on a fairly weak technicality.
...but not Darko!
Extremely weak in Bird's case.
Even then, that's still nothing close to "all but a couple cases."
Most modern title winners have drafted their best player, regardless of the games one wants to play with labeling and technicalities. It's that simple.
None of Shaq's teams drafted their top player, neither did the Pistons, the Heat or the Celts. Technically the last 2 Lakers teams didn't either. When you say "most modern title teams", consider that 8-10 of the last 14 title teams didn't fall into that category.
Shaqs Orlando team made the finals. The Lakers drafted Kobe who was a franchise player. The Heat winning with Wade and Shaq drafted Wade. Paul Pierce in 2008 was arguably co MVP for our 2008 championship team. 19.5, 4.5 and 5 vs KG's 18.8,9.2 and 3.4 when you consider he had to guard Lebron and Kobe and won finals MVP.
Anyway, the list of those home-drafted NBA finalist/champs is:
Wade-Miami x3 +finals appearance. Pick number 3 (added Shaq)
Duncan- Spurs x 3(or 4?) +finals appearance Pick number 1 (joined Robinson first championship as rookie)
Pierce x 1 +finals appearance Pick Number 10 (added KG + Ray Allen)
Dirk Nowitzki x 1 Pick number 9 (drafted by Mavs, added Tyson Chandler DPOY)
Lebron 1x finals appearance Cleveland Pick 1 (drafted by Cavs, added scraps lol)
Kobe 3+ 1 finals appearance pick 13 (Highschool) Drafted by Lakers. (added Shaq, Added Gasol, Drafted Bynum)
Bynum x 1 pick 10 (high school)
Shaq 1 in Orlando Pick number 1
Penny Hardaway 1 in Orlando Via first round pick, attained via trading away Chris Webber
Howard 1 in Orlando pick 1
Durant 1x finals appearance pick 2
Westbrook 1x finals appearance
Lets go back a bit further
Nets Kenyton Martin x 2 finals appearances pick number 1. (added Kidd)
Pacers Reggie Miller pick number 11
Knicks Patrick Ewing pick 1
Allan Houston pick 11
Bulls Jordan x 6 pick 3
Pippen x 6 pick 5
Jazz Malone x2 finals pick 13 (Added Jeff Malone)
Stockton x 2 finals pick 16
Sonics Gary Payton pick 2 (Added Perkins, Schrempf)
Shawn Kemp pick 17
Houston Olajuwan pick 1 x 2 championships (added Drexler + Thorpe)
Spurs David Robinson pick 1 (added Duncan)
Getting the picture?
You can delude the argument all you want because you don't like tanking, but unfortunately you need lottery picks to win NBA championships. I'm not saying all these teams tanked to get their picks. I'm just saying that without these players they drafted and built around- they probably don't win titles.
KG doesn't come to Boston without Pierce.
Lebron and Shaq don't come to Miami without Wade.
Shaq doesn't go to LA without Kobe.
They add the free agents after they establish they have a legitimate top 5 to 10 player- a franchise level scorer they can rely on when the time comes.