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have I understood this correctly?
Yes, just trying the make the best of a bad situation.
speed is low when the router is plugged directly into the RJ11 on the master socket, presumably points to the fault with the provider
Yes, but to prove that absolutely 100%, you would have to put the router into the master's RJ11 and also pull out the wires from A and B and then see what speed you are getting. That is 'the ultimate test', in terms of the maximum speed you can achieve.
IMHO, BT made a bit of a design balls up with the Mk3. The whole point of the lower half removable plate, on master sockets before and since then, is so that it disconnects any internal extension wiring, so that you/OpenReach/whoever can test just the bare incoming line, without any possible interference from a source within the house. With the Mk3, it doesn't, the A and B wires are still active.
That is now fixed since the NTE5c master with a Mk4 VDSL lower half came out. With the lower half out, the A, B, 2 ,3 and 5 are ALL isolated.