Yeah, exactly! Of course you'd know it easily, but a lot of people struggle for a bit before they can grasp the difference. I encountered this last week when I had to explain ambiguous modifiers to a student. "I only have one car" means I have nothing in my life except one car. "I have only one car" means that, while I may own lots of things, when it come to cars, I have just one.
I don't actually care that much about this stuff, especially not in "normal" life, but I do find it weirdly entertaining.