Hi Ed:
What you stated is correct. My wording wasn't very good.
Although I've fallen asleep many times trying to absorb lengthly tutorials and chapters on deciphering / understanding the differences between "monitor resolution," "printer resolution" and file "resolution," I still get these scrambled most of the time.
Where's a good margarita when you really need one?
What I was attempting to convey is that if a 5"x7" image is to be displayed on the web or sent by e-mail, a file resolution of 72 ppi is sufficient. A higher resolution makes the file bigger, as you stated, but does not yield better image quality on a monitor.
If I intend to print a 5"x7" to 8"x10" image on my more-or-less standard HP ink-jet printer, I've found that a fiile resolution in the range of 200-300 PPI generates high (enough) quality results. Less than that (on my printer, anyway) yields noticeable pixelation for prints in that size range.
Danny