That's rather it in a nutshell.
English is a peculiar language of rules and exceptions and exceptions-to-the-exceptions.
Ours is a language that's adopted words from more directions (and other languages) than can be counted, and we've no Ultimate Authority that acts to control the result. It's enchanting and confounding.
We at Write and Polish enjoy it for it's very madness, but understand that it makes many want to throw their hands in the air in despair!