OK, a few clarifications.
ANY car, not just captive cars, go off layout after they’ve been used. (to an industry as either a load, or empty to be filled). They get taken off-layout for a while.
Off-layout really has nothing to do with the interchange track. Its the time that ANY car, once its fulfilled its duty, to ‘relax’ and not get shipped around. Its a way to make your layout larger than it is, by having some cars go away for a time.
You dont need to match industries, no. Since every car will leave your layout for “off-layout” number of days, we assume that loads and empties are fulfilled somewhere “out there”. If industry X needs full boxcars, and ships out full flatcars, here’s how the cars will flow:
Boxcar comes in from off-layout, marked as full, and dropped at Industry X. Flatcar comes from either off-layout, or on-layout, and dropped at Industry X. After the ‘load/empty’ of the car passes, Boxcar gets picked up (its now empty), and delivered to a yard (eventually the “drop empties here” yard), and taken off-layout. Flatcar (now full), same thing, delivered to a yard, and taken off-layout.
The “interchange/Foreign Road” flag is just a tweak to this. If the car is not a car of your own RR, then where it is picked up and dropped off after, is the interchange track, not just the yards.