Oh, I learned that lesson in the middle of an IDPA match with my p99AS. Mid-stage, my follower stuck just like that and I lost some time clearing the malfunction and switching to a backup mag. It's because I went too long in-between cleaning it. Along with cleaning your firearm, regular post-range maintenance should include disassembling your magazines and cleaning the inside of the body and the follower.
Over time, carbon and other gunk builds up down around your follower and inside the magazine body and can cause those types of failures. Take the magazine apart and scrub down the outside to remove any buildup. While it's out, look for burrs on the follower and inside of the body near the weld line. Lubing the follower with oil is typically not the best thing to do because it will collect **** and eventually make a thick slurry that will gum stuff up. Passing a silicon rag through or even using some graphite around the follower can help without the negatives of oil.
As for why it happens with steel but not brass... steel cases often don't seal to the chamber as well as brass casings and will kick more **** back in to the chamber walls and the gun itself.
I had noticed once or twice when feeding my m&p mags, they don't always automatically stagger like they should. I make sure to consciously say "left, right, left right" as I'm feeding them to make sure the ammo staggers correctly. That could be something to try. My 17 rnd mag hung up like that once a while back and I noticed it got locked up when they didn't stagger correctly.
I dunno, hope this helps. If you're already regularly cleaning the follower and have tried the silicon cloth up inside the body and graphite on the follower, I'd ditch that mag as unreliable and pick up a new one. My 12 rnders have all functioned flawlessly through hundreds of rounds of steel stuff from tulammo to steel match to wolf.