Late to the party, but take 122 is where we added the ability to do inclusions for dynamic objects. Prior to this only exclusions were allowed. The difference is when using hub mode, you want to exclude dynamic objects to allow them to go direct to the Internet versus when already using split tunnel (only sending encryption domain across tunnel) but want to add dynamic sites that need to be routed through the RA VPN.
The include is probably most useful when third-party vendors whitelist the IP that is allowed to access a resource. This allows you to force their domain down the RA VPN so the RA users end up using your external (whitelisted) IP.