That's not quite it. You're still visualising particles as if they were round little things, you're thinking classically, but that is simply not true. It's my personal belief that we should throw away the word 'particle' to describe such structures, or at least be much more careful when using it and explaining it to newcomers to subatomic theories.
The picture of a pretty little particle makes it very difficult to see why HUP should apply at all, I mean, even if a photon does affect the momentum of a particle, it still sort of makes sense that you could guess its position and a pretty close approximation to its momentum anyway. But that's not how Nature works.
Down there, the "particles" behave according to Schrödinger's Equation. They are literally described by the wavefunction, and in actuality, could be thought of as the wavefunction. If you so much as try to measure its position with some degree of accuracy, literally all information you have about its momentum starts being thrown out the window, to the point that if (don't mind the unphysical part, just the mathematical one) you get to a dirac delta to describe its position (i.e. you know exactly where it is), all information about the momentum is completely lost and you could have any momentum from zero to infinity.
It's a hard concept to grasp because we keep thinking of those pretty little balls swirling around other pretty little balls, while reality is nothing like that. A single electron can be in many places at the same time, and interact with itself (double-slit experiment, though I'm being purposefully non-technical here), and at certain temperatures certain atoms (specifically those that have an even number of nucleons in their nuclei) can even occupy the same place at the same time, crawl up walls (against gravity), exhibit properties that are called 'super' in physics. In fact, even whole molecules can exhibit those properties. So that Jimmy Neutron model of an atom we all have in our heads is pretty much a lie.
What I'm trying to say is, yes, it's very complicated, and no, there is no analogy whatsoever in our experienced world. The "particles" are just that weird.