Ben, I for one have never heard a stupid question in my life. OK, your assumptions are right on. I must add that I put both the camera master exposure AND the flash exposure at + 0.7 (for general D100 underexposure) and just leave it there. To test the flash issue, I took my favourite victim (my son) and shot two pictures in a bright environment and two in a relatively somber environment (one each: TTL with and TTL without matrix). The results of this very simple test that I repeated in various surroundings were very convincing.