Since mashing out at 172 degrees does not make tannins, and boiling hulls and grist doesn't either, that leaves only run-off pH as the culprit.
Um, no! The other culprit is the osmolality of the solution. When the wort gravity is high, the ability to draw tannins and silicates out of the grain and husk bits is very low. As the wort gravity gets lower, the tannins and silicates are drawn into solution by the increased osmotic stress. Think of the sugars as pushing back on the tannins and silicates in the various grain and husk cells, keeping them in their cells. When the sugars have been depleted (low gravity condition), those components can make their way out of the cells.