Charles, my comments relate to BLO, real tung oil, and those products using “Oil” on the label, which form no or minimal film on curing. Rather than split hairs, I’ll limit my reference to urethane and alkyd based resin finishes that often if not usually include drying oils in the formulas, but cure to a measurable film.
As an aside, I think it unethical for the finish manufacturers who cater to the DIY/hobbyist market to withhold product formulations and deceive by name (Danish Oil for instance) and false labeling.