The dicamba rate is relatively low and it's specified to spray at under 85 degrees. I try and only spray t-zone at under 75 degrees to make sure the volatility is low and also only spot spray and don't do a blanket application. It also contains triclopyr and sulfentrazone so it's extremely broad spectrum in it's control capabilities.It's dicamba and 2,4-D. Personally, the thought of Joe homeowner using dicamba is frightening. People that have sprayed herbicides all their life struggle with it.
You're right that it's not for your average home depot going person and it's not available there either. It's also a bit pricier so that keeps people away, but when people want to smoke their creeping charlie, it does the job well.