Hi, your mental model is essentially correct, though it took me a good few evenings over a couple of weeks to get the workflow down in fusion 360. The electronics retailer will usually have the footprint and 3d model available on the component page. You can then import it, define which pins you want connected to each other in the footprint and in the PCB editor you can drag the routes (wires) to connect them.

Printing is way cheaper than I initially thought it would be - I paid £35 or so, including delivery and 5 of them arrived in 5 days. You can get cheaper delivery though. Also most of that cost is shipping and the setup fee - the marginal cost for each additional PCB print in the order is on the order of low single digit dollars.

Tbh my circuit was fairly simple so I just took a bit of a chance (and some extra care wiring things up). I think there’s a subreddit where people give feedback though I haven’t submitted anything.