Today, the terms "Dual Plane" and "submuscular" are essentially interchangeable in breast augmentation surgery. The bottom of the pectoralis muscle sits above the bottom of the breast. Unless this is released, a breast implant will sit too high and the nipple will typically point downwards. Don't allow these terms to confuse you.
Almost all women need the dual plane approach because the pec sits up a bit too high in most women. It needs to be released to allow the implant to drop down just a bit. If not, the implants sit just a bit high and the nipple too low. You can see many examples of this on this site. The only time I consistently leave full muscle coverage of the implant is when I am doing a lift as well. Then I can bring the breast tissue up to the implant!