Yes, you are correct.
However, the Germans later turned on Mihailovic.
And, I would also point out to you that Tito's deputies (1943) also engaged in discussions with the Germans in Zagreb.
Look, the truth of the matter is, it's as you say - there was a civil war within a broader World War.
More specifically, for three years both Mihailovic and Tito moved their forces across the NDH territories locked in combat with one another, with the Germans, with the Italians, with the Ustashas, or in some form of triangular combination.
In view of the above, I can make plenty of arguments for "my side of the story."
None of what you said is incorrect, nor is anything I said incorrect. They complement each other.