I don't think that Formlabs locks you into their wash and cure stations. Some of their printers lock you into their resin, but it looks like the Form Studio 1 discussed above and the Form 3, 3L, 4, and 4L let you use resin of your choice, although the Studio 1 does require you to buy a special $80 tray.
I would posit from the the getgo the average joe shouldn't consider resin printers, they should opt for FDM printers, because with FDM printers when the printer finishes printing a part... that's it! You more or less just pick it up from the printbed and there you have it... with resin printers, you -HAVE- to wash away the surrounding uncured resin. So, sure, it doesn't lock you into the wash and cure station, but doing it manually is an absolute chore any which way and chances of getting gooey resin on your hands, your clothes, your furniture goes way up and it is the most profoundly annoying thing when it does.
Try out a resin printer at your local makerspace to see what they're all about and the work that's required to print a part and develop it with solvents; for yourself get an FDM printer, they're plenty good enough for the average joe.