Can someone explain to me this auto-save/locking documents mess?

I don't like where this is going at all. I open a text document, and I try to type in it, and a window pops up saying that I haven't edited it in a while, and that I have to unlock it if I want to make changes.

I know perfectly well what I want to change and what I don't, and if Apple's OS's are going to start to try to second guess people, that means we're losing control of our data.

Now, do I only get this message because "Lock documents 1 week after last edit" it checked in the Time Machine preferences?

And if I uncheck that, what will happen? I've read about auto-save accidentally making a change that you don't want? How could this happen? That's what I need to know.

I don't like this at all, I must say.

 

Anybody?