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Thanks! that's very clear.
So the main thing I wasn't understanding was the idea that a seller like Temu would actually pay the tariff ahead of time--I didn't realize they would do that, just figured they'd get paid for the product, ship it off and let the other end of the line deal with the tariffs part.
It depends on the seller. Generally if they're set up to do business properly in the US, yes, they'll take off things like tariffs and fees, because if they don't it just tends to result in pissed off customers who refuse to pay the tariffs and then charge back on their credit card when they don't receive their goods. It just makes more sense to handle all that on the customer's behalf. Happy customers buy more things. When in doubt you need to contact their customer service and ask.