That's correct. If you send your HTML document with a charset of UTF-8 (In the Content-Type header) then IE will submit forms using UTF-8 even if the user doesn't input any UTF-8 characters. Unless the user changes the encoding, but I have yet to hear a compelling reason why an ordinary user would do that under ordinary circumstances.
> The snowman hack serves to prevent the corruption from spreading.
It's clever, but the framework could also just reject POST and GET requests which contain invalid UTF-8 characters. (I'm flabbergasted that Ruby doesn't do this[1].) Otherwise a malicious user could try to inject non-UTF-8 characters into your database by sending crafted requests which nevertheless contain the "utf8=✓". And speaking from experience, you do not want to have to deal with encoding problems in your database.
[1] http://stackoverflow.com/questions/3222013/what-is-the-snowm...