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You have understood the difference between standalone and installer version perfectly.
The problem with other software locking a file is that the file is locked. It’s not so much that AxCrypt is stopped from decrypting it, it’s that any other software than the one doing the locking is prohibited from modifying or deleting the file – which of course includes AxCrypt. Most softwares will let go of a file once they are done, but some are not so easy to understand when they really are done…
The subscription version offers quite a few additional features. Please check out https://www.axcrypt.net/pricing/ for a comparison chart.