I believe you have the scenario correct.
I am also curious with regard to the passengers being able to escape.
I can only imagine a scenario where the impact jammed all four doors on the plane, trapping everyone.
The flight crew aren't going to be the only ones with things to answer for here. If the tower was manned, and since the weather was clear (6 mile visibility), I'm going to be interested to find out what the tower controller(s) were doing. I know the final responsibility is always with the captain and flight crew, but I do wonder if an observant tower controller (especially at a low-traffic time like 0600) could have seen Comair 191 turning onto the wrong runway and advised them of the mistake.
}:-)4