Basically, yes, that is correct. I don't know what VPN router you have so I can't say for sure what protocols you can use with it (either through it or more importantly as an endpoint).
A VPN router can be called a server, so I'm assuming you're talking about a computer-based server (such as a Windows server) in your comment about how servers have the capability to do both. That is also correct, a Windows server can be a PPTP and L2TP VPN server, and also a IPSec VPN server (I have never used Windows as an IPSec VPN server). I'm not saying that VPN Routers don't have the capability to use different protocols, but it is not likely that the one you have supports all these different protocol types.
Anyway, the reason I suggested that you add a Windows server to your remote location was because it wound not likely require much change in configuration at your home location or with your other VPN users.
When you have a computer with more than one NIC, and when the packets are allowed and setup to pass from one NIC to the other, you essentially have a router. This is a very simple explanation. Simply having more than one NIC does not mean you have a router, you need to set it up so they communicate information with each other.
If you were to configure a Windows server (or some other server that supports PPTP) at your remote office, I am recommend that it would be the entpoint for your VPN connection. It would connect the computers behind it to the remote network (which computers can be configured I believe if you don't want to connect them all to the remote network). It would be the gateway for the computers behind it. Here is a quick example:
HomeOfficeLAN<->VPNServer<->Internet<->VPNServer<->RemoteLAN
In this configuration, the computers on the RemoteLAN would be connected to the HomeOffice and would not have to use client software to physically establish a VPN connection with the VPNServer at the HomeOffice. On both sides, the tunnel ends at the VPNServer. (I didn't show a firewalls in the configuration example to keep it simple)
I hope I am communicating that information in a manner that is understandable. Sometimes it's difficult to get the thoughts put down like this.
As far as what is recommended, it really depends on your situation. I don't know the setup at your home office (for example, is there only a single internet connection to use), I don't know what kind of VPN Router you have at your remote office, I don't know how many VPN tunnels are required for people to connect to your Home office, I don't know your security requirements, and I don't know your budget, and I don't know your future plans for your network. There are a lot of unknowns.
Personally, I think that a Windows server would be the quickest and simplest solution for your remote network. Is it the best solution? Probably not. The problem still exists if you run into other situations like this. This solution just fixes this problem at hand.
One thing to consider, which I think I mentioned earlier but I don't think I gave enough attention to, is that maybe you can configure your Windows NT SBS 4.5 computer to accept incoming IPSec connections. I just don't know how to do that. I'm sure there has to be a way to do that. If you got that going, then at your remote office you could (probably) use the VPN Router to establish the VPN connection. At that point, the computers behind it would be connected as well (they wouldn't need client software installed).
I need to run. I hope that helps some...
deeno