That's exactly correct. At 45%, the top earners would pay a bit less, the bottom earners would receive a bit less, and the break-even point would move to the 45

That's exactly correct. At 45%, the top earners would pay a bit less, the bottom earners would receive a bit less, and the break-even point would move to the 45th percentile rather than the 50th percentile. So more people would actually pay net taxes, but the average taxation would be lower.