The rule to insert images is correct, but the sample just above it does not follow them.
Here the image is anchored To Paragraph .
When anchored As Character the distance between the image paragraph and the caption paragraph is about 1mm higher.
That explain why some images jumps to next page and force adjustments.
There is a bug (annoyance) reported on the topic: When adding caption on a recently added image, the image anchor ends To Paragraph even when the image was originally anchored As Character.