Yes, you got it. In my mind there is also a difference between fully adapted words like psychology and foreign technical words such as techne, gnosis and epis

Yes, you got it. In my mind there is also a difference between fully adapted words like psychology and foreign technical words such as techne, gnosis and episteme the way you might use them in a class on Plato. This second class of words, along with names of people, should ideally have their sounds conform more closely to the originals. Of course, words will often start in the second class and drift into the first class. That's how language evolves.