You are essentially correct, however, Garmin is not.
The RAM listed on the Garmin page you linked to is not honestly represented.
The true difference between the 600/650 and the 650t is 3.6 GB - which is the amount of space the pre-installed 100K topo use.
The Montana wiki has much more accurate information.
Holy cow! 3.64 GB vs 7.35 GB? (numbers from your link to the excellent wiki site). I'm one of those "you can never have too much memory" people, so to me, this is compelling.