would "recte habes" or "recte dicis" be more colloquial terms?

''recte dicere'' yes, I would say no to ''recte habere''. ''recte sentire'' is definitely colloquial, but it emphasizes the thought, not the words.
recte dicis = you are right in saying that
recte sentis = you are right in feeling so/thinking so
I'd say both are correct translations, I'll add ''recte dicere''

Thanks! I did find some uses of "recte habes"; see https://www.google.com/search?q=%22recte+habes%22 / https://www.google.com/search?t...recte+habes%22 but I haven't checked a dictionary for it.

@jimkillock Nice find. The reason I couldn't find anything is because I prefer to limit my searches to Classical Latin (packhum corpus) , which if we're being honest, is going to be closest to how the language was spoken (because back then it was actually spoken natively).
As you showed me, there are definitely post-classical instances of ''recte habes'', meaning ''you are right', so feel free to add it if you want!

However, one caveat:

https://books.google.nl/books?i...HhDoAXoECAkQAg

This 19th century author calls it ''schlecht Lateinisch'' = bad Latin.

Technically, it should be fine. It means ''you are considering/interpreting it correctly''.
Through the link you gave me, I found that the translation of ''recte habes'' in the Latin version of To Kill a Mockingbird was a translation of the original: ''that's about right''.

Thanks! I'll leave off for now and take a look. I wonder where the usage came from if it is basically post Classical. Maybe it's largely Germans directly translating "du hast rechtt". That would explain why a German author feels its bad Latin in any case :)