I think you have it about straight. The gravels lot is ramp over flow. Most ramps hold two boats with plenty of space and maybe three if everyone is strong on the back down game. I have never been there when it was necessary to do so though and I go there quite often. The floating docks ring the inlet and offer plenty of room to spread boats out when launching the boat or retrieving your vehicle. Tommy's is a privately owned supplies/bait shop/limited grocerys/snacks/non ethanol gas and restaurant and has been there for quite a long time. It's a local landmark. Been around much longer than the campground I think.
I knocked up this map real quick in case I don't explain it clear enough.
PS, I was just looking at Umbrella mounts for my boat yesterday! Hahaha
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