Is this a correct understanding?
Not exactly. The Sun is a huge perturber of the Moon's orbit. From a heliocentric perspective, the gravitational acceleration of the Moon toward the Sun is over twice that of the Moon toward the Earth. From a geocentric perspective, the Sun is still a huge huge perturber of the Moon's orbit about the Earth. It wasn't until the early 20th century that a fairly accurate description of the Moon's orbit was developed, primarily due to this huge perturbation. The other planets and the Earth's not-quite spherical shape also perturb the Moon's orbit, but to a much lesser extent than the Sun.
That said, the inclination of the Moon's orbit with respect to the ecliptic is fairly constant. Below is a plot of the Moon's instantaneous (osculating) inclination:

Source: Eclipses and the Moon's orbit at nasa.gov
Note that the inclination varies from less than 5.0° to about 5.3°, with a mean of 5.145°. So, not quite constant, but still, fairly constant.