When I get a document, the subcollection isn't loaded with that document.
This is because the queries in Firestore are shallow: they only get items from the collection that the query is run against. There is no way to get documents from a top-level collection and a subcollections in a single query. Firestore doesn't support queries across different collections in one go.
What would be the benefit of using a subcollection
The benefit is that you can create an unlimited number of documents. In case of storing data in a document, keep in mind the documents have limits. So there are some limits when it comes to how much data you can put into a document. According to the official documentation regarding usage and limits:
Maximum size for a document: 1 MiB (1,048,576 bytes)
As you can see, you are limited to 1 MiB total of data in a single document. When we are talking about storing text, you can store pretty much but if you decide to store complex objects, be careful about this limitation.