why would you ever be the stand on vessel between you and a ferry, the ferry is following a traffic lane.
(j) A vessel of less than 20 meters in length or a sailing vessel shall not impede the safe passage of a power-driven vessel following a traffic lane.
Washington State Ferries do not follow traffic control lanes. On Puget Sound, most of their routes are at right angles to the TCLs. They don't even use them when they're dead heading between ports.
You're confused about what a traffic lane is. Charts with traffic control lanes all contain the notes that nothing about the traffic lanes are meant to override the COLREGS. Charts with Washington State Ferry routes also contain notes that say the ferries may or may not follow the routes on the charts do to conditions, sea states or a number of other variables. The ferry routes are completely different and separate from traffic control lanes, and the ferries may or may not be following their route.
The reason you would be the stand on vessel is simple physics. They move at 18 knots, you move at 7 or 8 in the best wind, you move at 1 in low wind. When they come boiling out of their dock, you can't move fast enough to get out of their way or avoid them.
Fortunately, they're utterly predictable. They're going to follow the COLREGS.
Minnesail, I would suggest you start with a careful reading of the COLREGS themselves, and if that doesn't answer your questions that you investigate a navigation class for recreational boaters.
As this thread demonstrates, rather clearly, an online discussion forum is not a good place to ask questions about the COLREGS, charts, ferries or navigation.