Correct.
Pay a high enough fee and you won't have a problem. Unfortunately, it is possible to think you paid enough and then later discover that you need to pay more. That's way a miner "accelerator" with "acceleration fees" might help. Then you can pay more if you didn't pay enough in the beginning. I still think the RBF and CPFP wallet solutions would be better, but if the wallet creators don't do that, then this is another option.
Correct. That is how bitcoin is designed to work. Those that pay the most get confirmed in the next block. Everyone else has to wait.
Correct. If they want to get confirmed faster, they should pay more. That is how bitcoin is designed to work.