I bought the Full USA one-time subscription from Jeppesen. Downloaded the .zip, extracted the avtn_db.bin file and used it to replace the worldwide.bin (with appropriate renaming) on my laptop where I have the GNS430 trainer installed. Launched the trainer, and indeed it is showing the Dec. 02-Dec. 20 navigation data.
I then did the same on my x-plane simulator pc, where I have Reality-XP 430, as well as the RealSimGear 430 installed. But when I launched x-plane, I was still seeing old data. I looked back through these various threads again, and found instructions to also substitute the avtn_db.bin from Jeppensen for the 006-d0170-00.bin file in c:\ProgramData\Reality XP\Common\GnsTrainer\dbfiles (like before - rename the Jeppensen file appropriately to replace the Reality XP file). I now have current approaches for local airports everywhere I need it!
I wish there was a way to extract the same data from the Garmin-specific nav data card - I already pay for a subscription for my physical plane with a 430, so it would be good to be able to use that subscription for the trainer and simulator.