While in general I agree with you. I discovered in hindsight that this is not always the case. There were a number of traditional Scandinavian tunes we played in my old band where the leader would play the major notes of a chord. So I would play the major chord. That was wrong. Quite often, it's the minor that's needed to create the tension in the music.
Oh, and am starting to work on some folk music that uses I-V-IV as the basic progression. Not big, but still a data point.
However, I totally agree with the rest of your post. Excellent description, IMO.
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