There is ambiguity with "x", though. I don't know if there are strict rules surrounding it. I know of 3 different sounds for it:
* Like Spanish "j", English "h" as in México, Xavier, Oaxaca
* Like Spanish "ch", English "sh" as in Xoloitzcuintle, Xela
* Like English "x" as in excepción, exacto
I meant adjacent letters.