@Mzokk Yes to all you outlined. 👍
The only recalculation you have any control over is off-route. Otherwise, as you pointed out, recalculation happens based on any number of variables. Certainly, it always happens on transfer and on load, and nothing can be done to prevent it.
For off-route, I usually have it set to Prompted, but lately, I have it Off. When I develop a route, I know my intended minor deviations and how to return. I found that prompted can be very sensitive to the smallest changes, even down to what lane I'm in on a wide US interstate. Sometimes it gets annoying clearing the screen. But of course, that's all personal preference.