Hi Jerry;
FYI ... #8 is not true ... while the DB driver get an entire packet, the DWO runs an internal FETCH loop 1 row at a time to get all the rows for the primary buffer. Things can also go better or worse on top of that depending on whether the developer used an ODBC connection, OLE-DB, ADO.Net, JDBC, native, etc driver connection mechanism.
Regards ... Chris