Using Win11 I have found a method to decrypt PDF's with only the access password and not being the document's owner.

After encrypting a PDF using Acrobat Pro you can send the file over Microsoft Teams, saving it to the sharepoint/onedrive file, you can then open the document in browser from the sharepoint location opposed to the local original file location and only the access password is required. The editing restriction password is no longer required and you can copy and paste the file contents.