since there has not been a response, yet, allow me to say:
I don’t think there has been any change to how the cargo terminal works or cost in a long time, so the old information should still be valid.
but you are correct, it reduces the costs for handling, however: even if cargo terminals appear to be less expensive than pax terminals, this is only economically beneficial to those players that have billions laying around. it takes about a 100 weeks give or take (according to some old threads) to amortize the investment into a terminal. think about all the things you could do with that money instead