Yes its not locked to the store but it may as well be as that is almost the only source of ARM 64 apps.
32bit is dead memory limited and considerably slower than 64bit.
If as I suspect you use only store software then maybe the pro x is OK
I don't download or play games on my pro x i use it only for serious purposes and 64 bit is a must.
The pro x has improved with newer builds at least reducing system crashes and for basic browsing and so on its working mostly OK.
I'm not against the device just the way in which it was and is marketed as I use the MS help me choose entered all requirements and was sold the pro x with after a phone call the promise of 64 bit emulsion being availability from Jan 2021, however recent conversations with support cant or won't acknowledge if or when this will happen.
All this leads to my disappointment with this device.
I am aware that many MS supporters praise the pro x and ask myself if they are misleading themselves, I say this as if this emulator never arrives and with no external ARM software and only the now dead 32bit emulator will this device end up as a almost RT device, After all any device is only as good as the software on it.
So sorry to all its fans but for a serious user its extremely lacking.
Well, just today Adobe has officially removed the beta tag from the ARM64 build of Photoshop. Bluestacks (android emulator) has noted in the comments on version 5 beta system requirements that they are working ARM support. Another exciting development (from my perspective) is that OpenJDK 16 includes ARM support on Windows now. So the statement of "no external ARM software" is patently false.
Sure native app support for ARM on Windows isn't happening as fast as on MacOS, but Microsoft isn't dropping support for Intel in the near future like Apple is expected to do, it's going to be a lot more gradual process. I would encourage you to contact any and all developers of apps you'd like to use on your Pro X and ask them to add support for ARM. The more request they get the more likely they'll do something about it.
I also don't agree that 32bit is "dead" as there are still plenty of actively supported apps that have a 32bit version available. But I do agree with you that x64 translation/emulation is definitely need as there are apps that no longer have 32bit version available. The fact that this functionality has been in insider builds since last November tells me it is highly likely to be released to stable builds (most expect it this fall, but that's not a promise). I really don't see a repeat of RT happening. I can really tell that Microsoft learned from that attempt and has done a much better job with WoA this time around so I really doubt Microsoft is going to drop ARM support in Windows 10 at this point.