I do believe you. Really have no dispute with any details you’re putting down.
I suppose the distinction I’m making is about the cohort of early adopters that had special (usually U access) from those using commercial ISPs or BBSes. That earliest cohort no matter how small it was a good bit earlier than 1994 and eternal September. I’ll grant my wording inadvertently exaggerating the penetration of availability in 1994, just saying the first households were probably getting dialup some years prior.
For me an EE prof managed get me a shell account in 1990 while in middle school. Even in rust belt US many friends just used AOL into 1994 and uptake of dialup ISPs was still slow, but that 1994 cohort was distinct.