You are exactly right. What some get confused, which is easy to do, is to get the following confused:
Setting times for downloads and setting times for installs. It is the installs that get you in trouble.
Where Microsoft gets you, and I am not sure that your/our method will stop this is when you have a reason to reboot and it forces you to update. It can take 20 minutes or longer. It really should be like before. You get a message to download updates, but you can defer that until it is convenient.
