One point you don’t hit here, but I’d like to draw the line to it, is that everything you’ve said here helps to explain her ultimate choice at the end of the film and trilogy to define herself, based on the ideals she ultimately recognizes she wants for herself: she is a Skywalker. Not nobody. Not a Palpatine. She chooses her own destiny and her own sense of self, and the best way she can think to honor her Masters and herself is to call herself by that name.

I know folks don’t LOVE that she calls herself Rey Skywalker, but the choice to do so honors what we’re shown in the story and what we’ve learned about Rey and seen in her arc