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I believe your understanding of the spec to be entirely correct here. The examples seem to be meant mostly as references for the CBOR serialization of particular requests and responses.
That a request with UV requested cannot be answered with a uv=0 assertion is implicitly confirmed here: https://github.com/w3c/webauthn/pull/1313#discussion_r335412622 (note that an authenticator with support for UV cannot distinguish between whether the RP labeled UV as "required" or "preferred", as both will result in a CTAP request with UV=true).
The question whether user information can be returned without UV having been performed seems to be clearly answered by the CTAP 2 spec. I find it very likely that the example only includes user info in order to show how it is serialized.
Note though that if this is indeed the correct understanding, then the FIDO Conformance Tools suffer from a bug: They expect authenticators with UV support to return user information even for requests without UV, but do not do so for clientPIN (see https://github.com/fido-alliance/conformance-tools-issues/issues/528, which has been closed without a fix). Unfortunately, I do not have access to a FIDO Certified authenticator with internal UV.