Good summary, Lightray.
Though, there are a few other important factors in these movies:
- They’re usually centered in a small town, where the heroine grew up. Often, she’s moved away from that town for her career, and part of the plot is her coming back to town for some reason (usually not willingly, or intending to only be back for a few weeks), and falling back in love with the small town.
- The heroine nearly always comes into the story with some emotional baggage preventing her from being happy – bad break-up, too career-focused, has forgotten about the magic of Christmas, etc.
- There’s often a subplot around a business in her small town (often her family’s business) which is struggling, and needs help to survive. Bonus points if the business is Christmas-centric.
- There is usually some two-dimensional “villain” which is working to prevent the couple from getting together, and / or prevent them from saving the business. This is usually either a Scrooge-like figure (often the heroine’s boss from her big-city job), or a romantic rival for the man’s affections (though, if the latter, she always gracefully bows out when she realizes that the two leads are meant to be together).