Laptop,
I agree with almost everything you say, but would be interested to know what your evidence is for point (2)?
To my mind, by the way, RTOW charts deal with runway limits as well as with obstacle problems, so checking them is still valid even if you intend to deviate from the chosen route (this would normally be done approaching MSA on all engines, having decided it's safe to route direct to somewhere assuming terrain will be cleared even with a malfunction. Purists will note, correctly, that this is a grey area.