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.