I guess you are right about most of that. The lone wolf must be more common, as you said, because packs don't stay together forever.
I'd not count on a wolf being meek, and willing to back off. They are always on the look for food, and as you said, unless you stand your ground they will see you as food. How many people have had their lunch eaten by "pet" wolves?
The interesting thing that I learned about house cats. A dog throws itself on it's belly in subservience,but a cat goes belly up to fight. Teeth are exposed when upright, claws are exposed when belly up. This does not always apply to wild cats. Point is, a cat is not likely to use the teeth for everything, but a wolf is very unlikely to use anything but his teeth, grabbing and shaking and tearing.
Watch cats fight sometime, get a number of hours in doing so, and you'll learn that cat combat is very different from canine fighting, and it's almost like the samurai. Wait for an opening, strike hard and fast, and try to finish it with a single blow. But a lot of them still go for the defensive posture, belly up, because that is where they have fouir clawed feet to go after the underbelly before the aggressor can even finalize his move.
That's one of the reasons you don't give a cat a belly rub unless you trust it. Everyone of them that I have has liked to play that game.. Put a hand on the belly at the wrong time, you wind up with all four feet clawing, and a mouth full of teeth.
cats are fun.