The subscriptions do not provide access to the books.
The benefits of the Hero Tier include:
You can create and manage an unlimited number of characters (free accounts have a maximum of 6 characters).
You can add public homebrew magic items, spells, and monsters shared by the community to your Homebrew Collection. Doing so will allow you to use that custom content with your characters.
Removes all ads from D&D Beyond
Access to the Encounter Builder (currently in alpha)
The benefits of the Master Tier include:
The benefits of the Hero Tier
You can enable content sharing for up to 3 campaigns (Detailed here: Campaign Content Sharing)
You may also purchase individual races, subclasses, feats & magic items from the marketplace - should you later wish to purchase the sourcebook that they came from, any such individual purchases are fully discounted from the price of the sourcebook.
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The subscription page also tells you exactly what you get before you buy:
this tier removes ads, allows you to create an unlimited number of characters, and add publicly-shared homebrew content to your collection to use within the toolset. + Early Access to new tools in Alpha.
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I’ve purchased the highest tier subscription and I only have one option when I choose subclasses or feats.
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ModeratorThe subscriptions do not provide access to the books.
The benefits of the Hero Tier include:
The benefits of the Master Tier include:
Content from sources, such as the Player's Handbook, Dungeon Master's Guide, or Monster Manual, will need to be purchased from the Marketplace or accessed via another user sharing content with you via their Master Tier Subscription.
You may also purchase individual races, subclasses, feats & magic items from the marketplace - should you later wish to purchase the sourcebook that they came from, any such individual purchases are fully discounted from the price of the sourcebook.
Homebrew Rules || Homebrew FAQ || Snippet Codes || Tooltips
DDB Guides & FAQs, Class Guides, Character Builds, Game Guides, Useful Websites, and WOTC Resources
There is a convenient buyer's guide pinned in general discussion that tells you what to buy to get what you need.
https://www.dndbeyond.com/forums/d-d-beyond-general/general-discussion/13989-a-buyers-guide-for-d-d-beyond
The subscription page also tells you exactly what you get before you buy: