Exactly Ed. That is why I mentioned that in my post.
But for some reason there is popular belief out there that the direction but only applies to the motor. Not sure how that started, but it persists. This has been discussed in one of the DCC groups in Groups.io and some people swore that at some point in time the direction bit only applied to the motor. Of course, this was some time ago and they could not provide any details (like which type or brand of decoder).