i'm using the pro version
The Home version option for scanning on open/create/modified files will ask only for binary scanning, like a text file. It won't unpack the archive files for instance.
On Professional version, you could believe that unchecking this option you will only allow the virus file to be saved into your harddisk but, never, activated or run. Unchecking the option, your performance will be increased.
If you do not feel good with an 'infected' file saved into your system, so check the option in the Professional settings of the Resident task.