I started another thread about how the modes work on the caddx/xf gimbals when I was testing this and found the same thing you did.
What I did was just set the mount mode to the FPV mode on the gimbal its self and ignored the rate setting in ardupilot.
I also struggled with how the gimbal lock mode works and had it only intermittently work with things like pointing the camera to a GPS target. I cant figure out how to change the earth reference that the gimbal wants to point to in “lock mode” but it seems like there are much more useful ways for that to work.
I think the XF mode (MNT1_TYPE 14) is for XFs larger gimbals that are similar to the siyi ones not the smaller ones they make for them selves and caddx but not totally sure.
Thanks for the tip on the SRx settings. Ill look in to it more as that might be causing a different issue unrelated to gimbals that iv been trying to figure out.