agree with everything you have said but you have in your answer made a number of assumptions and only considered the situation from the point of the controller and not the pilot.
1) Not knowing the date, time, place and scenario one can only make assumptions based on the evidence given - no other facts being available
2) Situation considered from both angles as I fall in both camps. Having been given landing clearance downwind myself I'm quite happy to a) not bother ATC with "Final" call; b) assess whether the wind has changed dramatically; c) keep checking the runway for possible incursion; and d) trust professional on the ground to be doing the same without any further prompts from me