@Doug-Robinson, I actually think it is already 90% right. But indeed in situations like this:
92476c38-ca19-4cb4-a3b4-23dc20cc7ee0-image.png
If the WP would be placed on the other side of the route line there would be a loop. You would expect that, when the + shaped cursor appears, that when you click on the routeline, the WP would be placed exactly on the routeline. The software already knows the location of the node that indicates the closest point on the route to the location of the WP. It would be great if in such a case the WP would shift to that node automagically. But I totally don't know if that's possible.
I think the zoomfactor plays a role in the accuracy of placing the WP. The more you zoom in before clicking, the better the position of the WP seems to be. And I think that's odd since the + shaped cursor, when you hover the route line, indicates you are ON the route line.