I agree as I've posted before. But I would make one other comment on fleeting thoughts. They can vary with our spiritual condition and where we focus our attention. So we do have some responsibility - in the general sense - for our fleeting thoughts.
I think, too, that your reply agrees with this in its: "and immediate repentance".
By all means. Dwelling on covetous thoughts is as good as doing them. Those who are spiritually mature will reject such fleeting images and immediately repent; those who are not will dwell, and continue to look and desire.