Yes, this is correct (to the best of my understanding).
This is also why you should be careful about the *variety* of units you use in a mission, as each unit type and vehicle type (and, for that matter, object type) that you use in the game requires memory - so for a mission to be more playable on a low-spec (esp low RAM) puter, limit the different types of units you use. The effect is not great, but when it comes to optimisation, it's all about the little things - as many of them as possible. It's easy to get carried away and put in one of everything.. ;D
I'm not sure about this, but I believe that you can put "deleteVehicle this" in the init of the unit, and the object file and textures will be loaded even though the unit never appears in your mission.