......Contrast is entirely a function of development and is not intrinsic to the film itself. In fact, before you can reasonably compare two films, you must adjust development so that they have the same contrast,....
Absolutely agree.
To be nit picking, there might be a few (very few) outlying situations where getting the contrast you seek is tricky and changing dev time not quite enough (ultra slow films, some kinds of developers maybe).
To quote the late Geoffrey Crawley in his review of 400 films in BJP a few years ago:
"So how does one go about comparing the properties of one film with another? Firstly it is essential that they are developed to the same contrast. Manufacturers give times in various developers which should give negatives of normal enlarging quality, as it is known. These are start points for the worker, intended to be adjusted in the light of experience with particular cameras, exposure techniques, and enlarger types.
A practical average contrast, using the Kodak method of assessing the contrast to which a film has been developed, is a Contrast Index (CI) of 0.58. Ilford has a slightly different method, though its G bar indices are close to CIs in value. It is only when films are processed to the same or a very near contrast, that true assessments of relative speed, grain and sharpness can be made."