yea, but it's the actual core of the difference
locking makes no semantic sense if your localhost is the equivalent of the SVN remote server
that's why people talk about git being decentralized when the locking model is brought up
but that's a really interesting point.
my current workplace switched from SVN to git on monday
I'm not directly on the dev-team, but there is a few older folks on the team that possibly have the same problem that you describe