As with all things food, do what you want!
All that you mention is 'correct' for some people. Unfortunately, caviar has more than just culinary elements that are attached to it - it's the snobbery involved, and of course the way YOU serve it must be better than the way that those CRETINS down the block serve it, so your way MUST be correct.
I like using it as a light garnish on rice dishes, with crackers, with egg - pretty much anywhere a light fish taste and salt can enhance. Last time I checked, noone's been arrested for doing that.
M