Reading your posts, it sounds like you have some understanding of what you're talking about, but not connecting all the dots.
There is a big difference a half hour after shutdown and 10 years later, and you said it: hot spots. They get hot through activation and will cool down over time and just as you said, the only protection workers have against it is lead if it's hot. Exposing one's self to a 500 mrem/h contact pipe in order to dismantle it and ship it out over a shift without any PPE would reduce the total amount of times you could go in and do the same work, and would qualify for probably some sort of hazard bonus to your wage. If you wait for those fields to drop over time, all of a sudden it doesn't impact you so much.
So, when they say that the plants don't have enough to decommission, is it because the regulator assumes that decommissioning right after final shutdown? It could be that decommissioning won't happen until well after final shutdown.
At the plant I work at, it's the latter plan we have on the books. It will take nearly as long to decommission as the plant was operational, but the exposure to radiation as as low as reasonably achievable, and the cost is minimized that way.