Punctuation and Quotations

The rhyming title was not deliberate on my part. I try for succinct declarations about the content of posts, not always with an eye to attracting search engines (but sometimes). Beginning writers and English learners are often befuddled as to where to place closing punctuation marks when associated with quotation marks. Quotation marks (or "quotes" as is often heard) can delineate a quotation, but they have other uses as I just illustrated. The previous sentence could be written with the expression as is often heard set off by commas, but where would you place the first one--inside or outside the second quotation mark? (Answer: outside.)

Let's see what the GrammarCheck people say. They have three rules about quotation marks and punctuation marks. I find the lack of reference to a period puzzling:

Rule #1: Place colons and semicolons outside (or after) quotation marks.

Rule #2: Place question marks, dashes, and exclamation points inside (or before) question [sic] marks if they are part of the quoted text.

Rule #3: Place question marks, dashes, and exclamation points outside (or after) quotation marks if they are NOT part of the quoted text.

I'm pretty certain they meant to write "quotation" instead of "question" in the second rule where I have noted a possible error.

Basically, the placement of punctuation in relation to the latter set of quotation marks usually depends upon whether or not the punctuation is part of the wording inside the quotation marks. If it is, place it inside. If it ends the phrase or sentence, outside. I can't think of an example where the period would be correctly placed inside the last quotation mark. Can you?