Brother love, your post is absolutely spot on as to how this darn thing spreads. Yes, it can live on surfaces up to 72 hours, but the main modalities of spread are the ones that you placed in bold.
Tyson and SoCal, you are both correct as well.
Let’s take a deeper dive into masks. All are not created equally. You have people who wear cloth ones, 2 ply, 3 ply, surgical masks, N95 etc. All have various porosity correct? So when an infected person coughs, sneezes or speaks, the viral loaded respiratory droplets are expelled at varying velocities. As they are dense droplets, they eventually drop to the ground. (Hence they are not carried by air currents over longer distances - airborne.) When an infected person who is not wearing a mask coughs, sneezes or talks, the droplets travel farther than one who wears a mask. Depending on how porous the mask is, the droplets can still manage to escape through the mask. The more porous the more droplets escape. However they escape at a lower velocity and thus travel shorter distances. If an uninfected person standing nearby is not wearing a mask, then they can have these escaped droplets land in their eyes, nose or mouth and can get infected. They can also pick it up on their hands and rub their eyes, nose and mouth. So wouldn’t it be a good idea to wear a mask even if you’re not infected? Wouldn’t it also be a good idea and distance to allow the droplets fall before they get to you? 6 feet, 10 feet, 20 feet, who knows? Frequent hand washing, definitely. Personally I think that masks AND goggles / face shields should be worn to protect the mucous membranes of your eyes as well.