"Array" command in AutoCAD evolved from purely a way to drawing multiple entities in one command (e.g. after the command, no matter how many rows/lines of the entities, they are still individual ones, not "associated to others), to later the result of array being an dynamic block with grips that user can drag the dynamic block to increase/decrease rows/lines (I am not since when this change happened, maybe Acad2005 when dynamic block was introduced?).
Now AutoCAD has command Array(or ARRAYRECT/ARRAYPOLAR) and ARRAYCLASSIC. ARRAYCLASSIC is the old, original ARRAY command in earlier AutoCAD that results in individual entities.
Since ARRAYing block creates a new dynamic block, which add block reference entity into new anonymous block definition, so, yes, when you count particular blockreference, you have to decide if you want to count the block reference nested in other block definition (anonymous block definition, in your case).
Also, there is another type of block referemce: MInsertBlock, which looks like multiple block references to the same block definition, but it is actually a single entity with multiple block definition visually shown. That is, it is one reference to the block definition, but visually showing multiple times. it is different from an block array (a dynamic block reference).