@ketchup9080 You are correct - in a formal setting. Some of us only use the honorific in a formal setting. For an example, Dr. Biden, is addressed as that since her station in life has a significant amount of formal settings. I am retired and no longer teaching, therefore I never get addressed as Dr.
@mhsheikh Thanks, somehow. At 2 am my brain forgot how to dress on email to a Ph.D.