That's correct, windows monthly roll-ups are cumulative.
Rather than receiving several updates each month and trying to figure out which the organization needs, which ultimately causes platform fragmentation, administrators see one cumulative monthly update that supersedes the previous month’s update, containing both security and non-security fixes. This approach makes updating simpler and ensures that devices are more closely aligned with the testing done at Microsoft, reducing unexpected issues resulting from updates.
https://learn.microsoft.com/en-us/windows/deployment/update/waas-overview#quality-updates
The latest SSU plus monthly rollup are all that's required.
--please don't forget to upvote
and Accept as answer
if the reply is helpful--