Connecting Schlage Encode Plus but Keeping Apple Homekeys in Wallet

I just got this lock, and from my understanding, it can be connected via Homekit to my phone OR to HA, but not both. I definitely use my Apple Watch to unlock the door, so I’m assuming that the lock MUST be connected to the phone for this function to work?

I tried the schlage integration, and it seems to log in, but doesn’t find any locks. Is this because it’s paired to my phone?

I currently don’t have a Homekit hub… would setting one up help with this issue?

Any advice appreciated!