Now, at a "Lube, oil, filter", are they supposed to grease all of these?
Depends on the shop... and whether the tech wants to or not. At Q-lube we were held to a standard and we had to give our stats on every car (filter, how many fittings on chassis, on drivelines, level of boxes, etc) i.e. Chevy truck 4x4 w/ V8 = "3980, 11, sealed, all boxes full" That would be a QS3980 (equivalent to Fram PH3980), 11 fittings on the chassis, no fittings on the driveline (sealed), front/rear diff and xfer case were all checked and full. Now, whether other shops were held to that standard, who knows? I worked for a Texaco Xpress lube and they just asked what filter I put on... and how clean the boxes were... to sell stuff. LOL
edit: at many shops... a standard "LOF" consisted of changing the oil and filter... that's it. Sometimes they'll grease the zerks... but it's not guaranteed.