Your first two point are correct. The website IS a reflection on Obamacare though. First, it's yet another example of things that the private sector does on a regular basis is beyond the understanding of government. Most everything the private sector does is more; affordable, flexible, efficient, abundant, accountable and attentive that any government counterpart service does.
One of the most elusive things in Internet design has been protecting data from hackers, even for the BEST designed web sites. Now, do you really think that the incompetent designers of the health care web site are, all of a sudden, become so good they will be able to handle the pinnacle problem plaguing web design? The government, who showed their ignorance to what's needed in web design by hiring these incompetent designers, do you think THEY will magically gain the wisdom overnight to hire specialists in securing data property?
Government (HHS) acted as the project management on the web site, the SAME mindset and people that is behind the rest of Obamacare! You think this is an isolated incident? Consider the Navigators that are supposed help people sign up. The companies that will provide navigators are friends of the Administration too, just like CGI (the web designers) are with the Administration. There is LITTLE background checking with navigators. There is more background checks done on census workers than with navigators. This is yet another place where this government mindset will explode!
Then you have Sarah Hall Ingram, the Internal Revenue Service official in charge of the tax-exempt organizations, implicated with the targeting of tea party groups, now runs the IRS office responsible for the health care legislation. Do you think that the 16,000 new IRS agents being hired and the same scandal-ridden mindset will not be a totalitarian nightmare? Not only is there the same government mindset as mentioned above, there is no accountability.
The lid on the sticker shock over peoples' health care is starting to come off. Even CNN is now starting to report peoples' shock to what Obamacare will cost them. Again, this was predicted years ago by people who actually know how to run things.
So, yes. The web site IS indicative to what Obamacare will bring.