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gvfs has a bridge to fuse, cf. https://manpages.ubuntu.com/manpages/trusty/man1/gvfsd-fuse.... -- that means: Yes, you can use gvfs mounts natively in all other non-GNOME/GTK-applications running on your computer.

> does it simultaneously create a mount point in the file system that you could use in the terminal?

Yes it does. You can find it in /run/user/$(id -u)/gvfs/

You can use the `gio mount` command to mount a given remote. It will appear as a folder in `/run/user/$UID/gvfs`.

As an example, my phone has some systemd services which run `gio mount` for an SMB share and an SFTP share, when I'm connected to my home WiFi. I've got symlinks in my home folder to their associated gvfs directories, which become dangling when I'm not at home.