Could you tell me if my assumptions are correct and what happens in the last scenario?
Say I am trying to ping an 192.168.x.x. address:
If my local network is 192.168.x.x, then IPsec tunnels or not the packet will look locally.
If my local network is 10.x.x.x, and my IPsec tunnel local network is 192.168.x.x, then the packet will go there.
If my local network is 10.x.x.x, and there are multiple IPsec tunnels to different networks, what does the behavior look like? Do tunnels have priority?