That's certainly a good start. The other thing with rules engines is that some things are well-understood, deterministic, and straight-forward. Payroll withholding is (or use to be) like that. You could express it as rules that would be resolved by a rules engine, but you could express the same rules as a fairly simple table of values.
So, workflow engines are good when you're expressing a longer-term process that will have persistent data. Rules engines can do a similar thing, but you have to do a lot of added complexity.
Rules engines are good when you have complicated knowledge bases and need search. Rules engines can resolve complicated issues, and can be adapted quickly to changing situations, but impose a lot of complexity on the base implementation.
Many decision algorithms are simple enough to express as a simple table-driven program without the complexity implied by a real rules engine.