Kevin, What you say is mostly correct. Though I learned to fly in a 150 in 1964, at least 75% of my lightplane flying since then, has been in conventional gear aircraft. I have found that Bellancas with tailwheels are pretty docile most of the time. Crosswinds can be challenging because of the slab sides and a weak rudder. Tailwheel steering should be effective and positive if everything is up to snuff, back there. The original brakes were either Hayes expander tube or Goodyear disc. I had the expander tube setup, originally. They were weak! There are a couple approvals to convert to more effective and modern brakes.