Some cruise missiles have the ability to detect targets based on camera or infra-red match; on the other side, most (currently-deployed) drone types have at most that same capability. I believe that most of the infamous Shahed long-range drones that Russia has launched against Ukraine have been entirely inertial or satellite navigation based, with no independent re-targeting capability.

Correct. The capability you describe came only recently and only a small part of Shaheds have it.