This is right.
In practice, my red dots are actually 50m zero (some are 50yd), and I just confirm on steel at 200.
Optics with BDC are, for the most part, 36yd initial and 100yd fine tune.
Realistically, I change which ammo I care about too frequently, or just leave a zero in place since I end up making such small adjustments I don't feel it's worth anything other than confirming.
Also, I'm lazy.