Apostrophes, part 2

I’ve already mentioned my pet peeve about apostrophes. A second annoyance also has to do with apostrophes. I live in a vacation haven of cabins and lake houses where people name their retreats or at least identify them with their last name. The Smith’s Retreat. . . The Jones’ Cabin . . . Chris’ Place. Wrong, wrong, wrong. You show possession with an apostrophe s (and sometimes you drop the s). Whatever is in front of the apostrophe is the possessor: The Smith’s Retreat = the retreat of The Smith, The Jones’ cabin = the cabin of The Jones (hmm, is that a basketball Jones?). Obviously that’s not what they meant. If it’s the retreat of the Smiths then the sign should say The Smiths’ Retreat (dropping the last s) and since the Joneses (plural) are the owners of their cottage their sign should say The Joneses’ Cabin. Chris owns his own resort and should call it Chris’s Place (you pronounce it and don’t need to drop the s here). They can sign their Christmas cards The Smiths, The Joneses or The Jones Family.
Is it the boy’s games or the boys’ games? Both are correct, but the first one means the games belong to one boy. Lady’s room or ladies’ room? Think about it, is the room for lady or ladies?
I recently read a book in which the author kept using phrases such as “Mr. Stevens’s dog” and though correct, other editors may choose to drop the last s. I would drop it for sure if it were the Joneses’ dog (not the Joneses’s dog).
Now I must go to the ladies' room. See ya.