RE: Dual rates VS triple rates
Actually, for the JR10X, I use 5 rates for my TOC/ IMAC plane. The first rate is low rate for normal flying. The second for snaps, the third for one roll circles (low with high rate rudder), (my memory may serve me by having changed this so have the second and third rates itentical at high rate). I can then go back to low rate, then the (back switch thrown forward) is still to low rate, 4th is 3D rate and 5th is an identical 3D rate. I do this in case I hit the switch twice for the same reason you mentioned, I'm still in 3D whether I'm in the 4th or 5th rate.
On my 9303 JR transmitter, I'm using two rates so far. The second and third rates are identical, for the same reason above. I am doing this on my pattern plane, which I don't have set up for 3D (not yet at least). Are you using this transmitter model?
For this reason I think the 10X is more capable, not a big surprise there. However, I am getting used to the 3 position switch on the 9303, and if you continue to fly yours you will become more familar with it also.
Here is something somewhat out of the noramal relm, but if you are fearful about going to 3D rate when you don't want to. Screw a small strap into the transmitter so that when the strap is in position, it limits the switch (physical throw). Normally you don't need 3D rates during regular seqence flying. Then, for your freestyle flight, you can simply move the strap out of the way and have physical access to all three rates. You don't have to worry about hitting the switch to 3D rate when you are flying sequences at a competition, but sill have easy access to the 3D rate.