This pretty much. Would've been nice to have the pre-war texture equivalents of all building prefabs as an alternative though. But we're just going to have to wait until CK comes out before being able to import any prewar textures. Yes it's been 200 yrs after a major nuke fallout. However, the existence of prewar resources such as paint, steel, wood, aluminum, copper and electrical circuitry etc. does abound in significant quantities around the wasteland. So in theory if one were to collect and horde them all, then it would be quite feasible to reconstruct at least one, small, prewar home from scratch using non-dilapidated structures (i.e. the paint would spruce up the interior/exterior of the new home. Wood could be sanded to be less dilapidated etc.) Hopefully Beth will think to update the existing work bench feature in another beta update.
My biggest beef however, is the settlement feature being exterior cells by default. Which means just like your PC can pop in to their house from time to time, the weather elements will also pop in for tea and crumpets when in the area. Elements like Radioactive rainstorms which give your PC an refreshing irradiated boost. Which is quite a spa relaxation experience given the fact my settlement still lacks a doctor and medical clinic. I really hope this issue is something BGS will think to ultimately fix in a DLC if a patch update is too complex. Ah well.