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According to this article, How To Migrate Droplets Using Snapshots: https://cloud.digitalocean.com/support/suggestions?query=destroy%20droplet%20snapshot
The first sentence suggests otherwise:
"To migrate your server, take a snapshot of your server using the DigitalOcean snapshot tool, delete the original droplet, and spin up a new server from the snapshot."
Ok, it seem that you are correct! Images are saved if a droplet is destroyed.
I found this at https://www.digitalocean.com/community/tutorials/digitalocean-backups-and-snapshots-explained:
"Occasional Usage: Snapshots can also provide a way to use droplets for a limited time without having to pay for hours when the server is not in use. Should you only need to use a server for a certain time every so often, you can take a snapshot of your current configuration, delete the droplet, and spin the system back up as soon as you need it once again—the image will remain in your account. In such a way, you only have to pay for the amount of time that you will actually use the droplet each month."
And according to this article, How To Migrate Droplets Using Snapshots: https://cloud.digitalocean.com/support/suggestions?query=destroy%20droplet%20snapshot