In my opinion you are correct in your thinking. You can always restrict flow or divert the flow into the sump if necessary.
Not sure if you thought about this or not but it's highly recommended to have an in-line valve with your return pump so that you can control how much water is being pumped into your tank.
Also, if there is any way for you to "T" off the return line somehow and just seal the unused end with a cap or valve, you may find this extremely useful in the future for applications such as a water change hose, feeding another piece of equipment (chiller, sterilizer, frag tank, etc) or anything else. I just recently plumbed my new tank and I'm sure most would agree that leaving your options open for modification and maintenance is an awesome idea. Another great you can do when setting up your return pump is making sure it is easily removable for maintenance by using a pvc union/valve.