I agree that you have a good description of what I expect a structural ceiling is, but that isn't what the code refers to.
I respectfully disagree with this comment - code accurately adversely describes the structural ceiling -
(E) Dedicated Equipment Space
(1) Indoor. Indoor installations shall comply with 110.26(E)
(1)(a) through (E)(1)(d).
(a) Dedicated Electrical Space. The space equal to the width and depth of the equipment and extending from the floor to a height of 1.8 m (6 ft) above the equipment or to the structural ceiling, ( accurately points out to the bottom of the structural ceiling)whichever is lower, shall be dedicated to the electrical installation. No piping, ducts, leak protection apparatus, or other equipment foreign to the electrical installation shall be located in this zone.
Exception: Suspended ceilings with removable panels shall be permitted within the 1.8-m (6-ft) zone.(defines an exception to a non structural type ceiling)
(d) Suspended Ceilings. A dropped, suspended, or similar ceiling that does not add strength to the building structure ( joist & rafters add strength to the structure as they hold up the floor of the next level which is also a ceiling of the level below so they are by code not eliminated as a structural ceiling and by adverse definition are a structural ceiling) shall not be considered a structural ceiling.
Myself, I am just contrary to this rule so I am pointing out the vagueness. If they are going to use a term like structural ceiling, then it should have a corresponding definition and meaning in the building code or the NEC. And you just pointed out another example of the arbitrary nature of the rule with your joist example.