You can shoot from the 5 bar as well. Cannot pass a stopped ball but can shoot a stopped ball. Three touch rule before forwarding the ball, only two wall touches (leeway for to get the ball off the wall), ready protocol... etc. You have 10 sec on 5 bar and 15 sec on 3 bar/defense rods. You seem to be correct with your assessment in your question.
Once on 3 bar... nowhere to pass to... time to shoot. Passing rules do not apply.