Upekkha100: Yes. You have grasped it well.
However, regarding the last paragraph, this is not true: “Everything that can be attributed to sabbe sankhara(no substance,bone without meat, no safety, no predictability/stability) can also be attributed to sabbe dhamma as well.”
- It is only “sabbe sankhara anicca”. Sankhara are like meat-less bones, only lead to suffering.
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But nama gotta, which are not sankhara but are Dhamma, do not lead to any suffering. However, one can get to suffering by generating sankhara about nama gotta.
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Sankhara are all mental. Nama gotta are memory records, and exist independent of one’s mind. Of course one can recall nama gotta.
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Nama gotta are of course stable. But they are also of no use eventually, just as even Buddha Dhamma (which also does not change) needs to be given up to attain Nibbana (after the Anagami stage, in order to get to the Arahant stage).
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On the other hand, all dhamma are not permanent. It just says, “Sabbe Dhamma anatta”; they are all of no use, ultimately, at the Arahant stage. But we do need nama gotta, as well as Buddha Dhamma, to get there.
May be I did not fully understand that last part of your question?