Yes, except that in modern infra i.e. WiFi 6 is 1024-QAM, which is to say there are 1024 states per symbol, so you can transfer up to 10bits per symbol.

Not sure about your last point but in serial comms there are start and stop bits and sometimes parity. We generally used 8 data bits with no parity so in effect there are 10 bits per character including the stop and start bits. That pretty much matched up with file transfer speeds achieved using one of the good protocols that used sliding windows to remove latency. To calculate expected speed just divide baud by 10 to covert from bits per second to characters per second then there is a little efficiency loss due to protocol overhead. This is direct without modems once you introduce those the speed could be variable.

56k relied on the TX modem to be digitally wired to the DAC that fed the analog segment of the line.

An ISDN BRI (basic copper) actually had 2 64kbps b channels, for pots dialup as an ISP you typically had a PRI with 23 b, and 1 d channel.

56k only allowed one ad/da from provider to customer.

When I was troubleshooting clients, the problem was almost always on the customer side of the demarc with old two line or insane star junctions being the primary source.

You didn’t even get 33k on analog switches, but at least US West and GTE had isdn capable switches backed by at least DS# by the time the commercial internet took off. Lata tariffs in the US killed BRIs for the most part.

T1 CAS was still around but in channel CID etc… didn’t really work for their needs.

33.6k still depended on DS# backhaul, but you could be pots on both sides, 56k depended on only one analog conversion.

As someone that started with 300/300 and went via 1200/75 to 9600 etc - I don't believe conflating signalling changes with bps is an indication of physical or temporal proximity.