So are the experts now saying that chest voice in women is the lower register (in which I am sure many can manage about two octaves - much the same as most male singers who do not use falsetto) and that head voice is the upper register, which can be as hard and powerful as the lower register (and in many women who do not much use their lower register is more powerful)?

In which case the breathy baby voice is not a synonym for "head voice", and it is a matter of how women singers use their upper register? Have I got that right?