As we have seen, and know, it is by no means impossible for a fully serviceable and sounding TOWS to be ignored by crews, so we need to add this to Justme's list, making 4?
Well, in that case, it would only make it a "one hole" cheese.
1) The pilots fail to set/verify the right takeoff configuration.
--- It doesn't matter if the TOWS fail or not, the pilots are going to ignore them.
They take off, and, if the conditions are not very favourable for a recovery (wind/weight/response time/engine thrust available/runaway length/pure random luck of the stall behavior/etc) they crash. That's it.