You’re right that the Minchas Chinuch indeed understands Tosafos like you, but that still doesn’t answer my second point: that even if someone is פטור from קרבן פסח by reason of not having קרקע, he can still bring it as a רשות! (Besides for this being stated explicitly by the אור חדש to פסחים דף פ”ח, it is also clear from Sanhedrin 11a, where we say that Beis Din make a leap year if people from Bovel are coming to Eretz Yisroel but have not yet arrived; רש”י explains this means they are coming לעשות פסחיהם. Surely these Babylonians did not all own land in EY; yet they were still coming לעשות פסחיהם!)
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