Also note that this exploit was for Adobe's code and their fonts don't have any imperative hinting instructions (hints in CFF are purely declarative), which makes your first point moot.
OpenType Layout is most certainly used in "regular" fonts if you happen to be one of the 2+ billion people whose non-"sensible" languages can't be written without such features.
I think you mean Word and PSD, not JPEG - otherwise spot on.
http://www.joelonsoftware.com/items/2008/02/19.html
"These are binary formats, so loading a record is usually a matter of just copying (blitting) a range of bytes from disk to memory, where you end up with a C data structure you can use. There’s no lexing or parsing involved in loading a file. Lexing and parsing are orders of magnitude slower than blitting."
PSD is much the same - it's why interop with PSDs is such a challenge.
JPEG has to be parsed and decompressed - another source of problems, but not remotely in the same category.