ところで、ところに

Hello,
I have just been studying these grammar points, mainly from Try! N3.
I’m not sure I completely understand which should be used when

試合時間が残り1分を切ったところで、ゴールを決まられてまけてしまった。

If I were to translate this sentence it would mean something like “just as /at the exact moment when there was one minute of the match remaining, a goal was scored and we lost”.

However this sentence:

夏休みで家族とのんびりしているところに、会社から呼び出した電話がかかってきた

I think this would mean “As I was relaxing with my family during the summer break, a phone call came from my company”

Similarly this sentence:

お湯がぐつぐつとふっとうしているところに、めんを入れてください

This would mean “as the hot water is boiling, please add the noodles”.

I’m not sure I understand when one should use に or で、 but comparing these sentences my understanding is:

ところに = Setting the general scene or situation when an event happens
ところで = Specifies an exact moment in time where something happens

Am I correct in that assumption? I’ve read a few different things online and I’m not sure I grasp the concept properly

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