I agree with you regards Who, Creation, Action etc. I regard the Who in a similar vein to the Beatles, Rolling Stones, Them, Kinks, etc as having spearheaded the garage movement (although Mark sees the Who as second tier), but having been too accomplished and too commercial to fit the bill as garage. Of course, as put in various ways above, at least part of that came down to those bands having recorded in the best studios with the best sound engineers, because when you look at some of the live recordings of these seminal bands, there's little to set them apart from the "garage" scene.
This all part of the complex equation we're trying to qualify here, and it's important to keep in mind that I'm using the term "garage" as a place holder for what it is that unifies that sixties style found in every country in the world which was freely exposed to western culture; NOT in the strict sense in which some use it to apply to the North American phenomenon.