So, I dug into this a bit more, and you're right!
https://www.fluentcpp.com/2017/06/13/the-real-difference-bet...
Maybe it was the era that I learned C++ (which was in the 98 days), but I was taught something closer to this convention, and didn't realize until just now there was such little difference by the book. Just bundling some data together? Use a struct. Doing more? Use a class.
I still think this distinction is useful overall, because there often is more of one in many languages, but I will be more precise when speaking about C++ specifically in the future. I would also still argue the same thing overall, that is, Rust does not have what C++ calls classes. Our structs are apparently even simpler than C++ structs.