The main difference between Coins & Tokens is that Coins have their own separate blockchain & can run independently, for eg. Ethereum, Ripple, NEO, Monero. Whereas Tokens don't have their own blockchain instead they are dependent & operate on other cryptocurrencies blockchain, for eg. EOS, Tronix, TenXPay, SALT, OmiseGo all are ERC-20 compatible tokens & hosted on Ethereum Blockchain.
I agree with you!
1) Coins are separate currencies with their own separate block, a tokens acts on top of the block, which facilitates the creation of decentralized applications.
2) The main purpose of the Coins is to fulfill the role of money: to be a unit of calculation, a store of value and a means of transfer. Tokens offer functionality exceeding digital money. They can be used to conduct community voting on key business decisions or even technical changes on the platform.