yeah I think thats accurate.

Do you know what these wallets are that are sending via RPC? I've never heard of any of them.

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I'm pretty sure Cake and Monerujo do. I don't know every specific wallet that does, but I'm I think it's common for phone wallets. It's essentially the same metadata problems as using a public node for any other crypto/Lightning. They'll know your IP address if you aren't using a VPN/Tor, the times you sync, the last block you're syncing from, and what time you sent a transaction.

I've already known for awhile that Dandelion doesn't apply if you're using someone elses node (at least from the public node you're sending your tx to - it still applies to the rest of the network when the public node sends it out I think).