You are incorrect.
When diving out of bounds its the spot of the ball where you land.
When punting and kicking its where the ball crosses the out of bounds line. But when a player has position, the ball is not out of bounds until the player is, and by rule . . .
"A player or an airborne player is out of bounds when any part of his person touches anything other than another player or game official, on or outside a boundary line."
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