Nope, as far as I can see, you don't have it right, at least the part about contradicting everything in this thread. I think we're repeatedly said that any locomotive that is truly factory reset will run with your DCSRC. I'm not sure who you talked to, but if the locomotive was truly in factory reset condition, it would have run without an issue.
Read Barry's last post, I think he stated it as clearly as it can be said.
FWIW, I've been told by at least two dealers that a transformer reset was a true factory reset, and that clearly is not the case.