Yes, you are correct, that is the way that it is supposed to work, and most often does. However, some devices have been having a problem with the twice yearly Feature Updates (upgrade installs of the new version). If a device has only one USB port, and that is also how it charges, then the SD card (or a special USB hub that can charge the device and also transfer data from the additional ports) is the only other option, that is were the problems come in, on some device configurations. This problem has been popping up with each of the last Feature updates, on some devices.
-Richard