Just noticed this is currently on offer - 50% off... https://affinity.serif.com/en-gb/photo/Affinity Photo 2 from Serif does the job, well much better a job than I can, there is a huge community who share how to do the things I need to do.
No subscription and 50% OFF
Purchase either the Windows or macOS version for a one-off payment of £33.99 or get the entire suite on all platforms for only £79.99 with the Universal Licence. You can also buy the iPad version on its own for £8.99.
No monthly costs whatever you decide.