Correct as far as I know regarding soil contact. You need to be aware of root suckers and avoid direct contact to the bark on very young trees. I have sprayed around the cages and even inside the cages of my older trees with no adverse affects.
I am very careful while doing so. However, sometimes folks forget how far drift can travel ( or care in my case neighbors or the companies that are hired to do their spraying). Twice this year I have had "neighbors" crops sprayed on days where it was clearly not advisable 90 degrees or hotter and 20 mph + winds while the rig was going across the field at high speeds. I documented those instances, but fortunately or unfortunately there was no significant damage immediately following those applications. That is the problem shown in the above photo, once the damage shows itself it is going to be next to impossible to pinpoint the cause and to get compensation a year later.