Your Geoff problem could be solved easily by not putting the ligature into the PDF in the first place. You don't need the cooperation of the entire rest of the world (at the cost of hundreds of millions of dollars) to solve that one little problem that is at most a tiny inconvenience.
That's right, and all the Günters, Renées and Þórunns out there can just change their names to Gunter, Renee and Thorunn.
I don't think any of those uses a ligature. Ü, é and Þ are distinct characters in legacy latin-1 and in Unicode. It wouldn't surprise me if non-scandinavian websites do not like Þ, however.
It's probably not PDF's fault that parsers are choking on the ff ligature. Changing all those parsers isn't practical, and Adobe can't make that happen.
Finally, if you run based on metadata that isn't visible, you open up to a different kind of problem, where a visual inspection of the PDF is different from the parsed data. If I'm writing something to automatically classify PDFs from the wild, I want to use the visible data. A lot of tools (such as Paperless) will ocr a rasterized pdf to avoid these inconsistencies.
None of those names have a ligature. Infact Renées is a "deligatured" spelling of Renæes which would be incredibly rare.