Everything is correct, nobody knows for sure. We can only put forward theories.
Ultimately, it is we ourselves who make a religion out of it, because we like to pigeonhole everything. We don't feel comfortable if we can't do this.
The best example is Shoami. Defining a Shoami style is like squaring the circle. They seem to have been extremely broad in terms of the realization of designs, but also manufacturing techniques. In the early period, they seem to have moved somewhere between the styles that we think can be relatively safely described as owari or kyo-sukashi. At least as far as sukashi tsuba are concerned.
We know next to nothing about the shoami before 1600, except that they were doboshu and silversmiths in the service of the ashikaga bakufu. In comparison to the early goto, there were also no genealogies of shoami masters. Well, they were obviously not of noble origin.
And yet, from the early Edo period onwards, Shoami branches spread throughout Japan, developing their own characteristic styles.
The Shoami therefore seem to have had an importance in Kyoto even before this development, which "we" possibly underestimate - precisely because we don't know it.
But why should we, the "non-experts", not think about possible backgrounds or question things? That's what makes our hobby interesting.