I’m a bit confused on sending tokens from one address to another.

Say for example, I want to send AVAX native from one address to another,

I can successfully do it with sendTransaction which is just

 await sendTransaction({
                to,
                value: parseEther(value),
            })

I don’t need to pass in an erc20 token address, since it’s native.

Now, say I want to send USDT on Avalanche, that is an erc20. I can’t seem to just use sendTransaction, instead I need to do:

await writeContractAsync({
        abi: erc20Abi,
        address: txDetails.tokenAddress,
        functionName: 'transfer',
        args: [txDetails.to, parsed],
      });

Is that the correct approach? Or am I over complicating things?