The ex-dividend date is defined as the day on which a trade will settle too late to give the buyer the dividend payment. Simply put, the ex-dividend date is typically two business days before the record date. Because the ex-dividend concept already includes the settlement delay, the settlement date can happen on or after the ex-dividend date. However, the trade date has to be before the ex-dividend date in order for the settlement date to be on or before the record date -- and therefore for the buyer to receive the dividend.
...and it is really semantics here - as long as you buy it before the ex date which makes sure you reached settlement you are ok. After reading your post again I think you were saying exactly the same thing but in a different way.