Sure … I was talking about how L3 entity determines whether destination address is “directly attached” and can be hence sent out without using gateway. It’ll involve ARP who has when L2 technology is a PtMP one (such as ethernet) anyway.
The way L3 routing is set up is slightly different. Exactly in case of point-to-point links one even doesn’t have to assign address to the link interface in order to use it to route traffic towards some destination, using interface name is enough.