Your description of the connection is correct Boyd.
My cable comes directly into the modem, then to the router. From there it goes directly to my and my wife's computer. A third connection goes upstairs to a hub and from there it splits off into both of my daughters rooms.
I am able to download while my wife is having voice communications, and both of my daughters searching the Internet or doing whatever else they want to do at the same time. It works flawless. I did upgrade the firmware on my router once and that was a disaster. It constantly cut my wife off and then the connection would drop.
I was checking to see what the problem was at one point really not knowing if the firmware update was the problem. So I connected my wife's computer directly to the cable, bypassing the router, and within 5 minutes a message popped on her screen from some person who called himself something like "security man" and he was warning us that he was able to get into our computer and we should do something to secure it.
So anyone who connects directly to the Internet, and as Boyd said especially with non Mac computer, is crazy!!
Guy