I am a wallet developer, so I am speaking from that POV. You will need to include the Orchard crate in your wallet code for a very simple reason that the wallet cannot just go to a remote node, give it the keys and say “I would like my transactions please” - that would present gigantic security and privacy problems.
Any wallet creating an Orchard transaction needs to “speak” Orchard. And that means either including the crate, or re-implementing most of the code in it. Or skipping Zcash support altogether.
Consuming what Zcashd with BOSL Orchard-create
To address that part specifically, if a wallet includes zcashd, we would call it a full node wallet. Those are extremely unpopular, for a very simple reason that they need to download and verify full blockchain to work. There is only one wallet for Zcash that does it IIRC.