Just about entirely right.

The wetting agents can be anionic, cationic or neutral. TX-100 is neutral and is a polyoxy compound, TX-200 is basically di-nonyl napthalene sulfonic acid or the like, and the positive charged surfactant (wetting agent) is usually a quaternary ammonium salt. These latter are not often used in photo product manufacture.

They are used at such a tiny concentration during coating that they would be hard to detect, but after drydown, the concentration has the effect of going up. Often, different surfactants are used in adjacent layers.

PE