@cateye,
"Over-thinking" is my specialty!
After researching a lot of software over the last 24 hours, I think you are 90%+ correct...
Where I left off before supper was this...
In addition to Affinity Studio, maybe I want to look at Pixelmator Pro and/or Photomator. (Photomator sounds like it is a decent to Lightroom?)
Also, it sounds like I should be saving photos for my website to avif, so that is a small strike against Affinity. So if I go the Affinity route, then I need to find a workaround for that thing.
Otherwise I think you are right - yet it never hurts to spend some time familiarizing myself with all of the paid and free and open-source options out there for photo-editing and vector-editing.
Oh, okay, I didn't know that. To me, Canva, is synonymous with cringe-worthy YouTube thumbnails!!
Makes sense!
Another conclusion that I also came to this afternoon...
Affinity Studio presumably has tons of YouTube tutorials, but from the little I have read, Pixelmator Pro and/or Photomator might be easier/quicker to learn, and in the beginning those latter two applications might be all that I need?
But assuming that Affinity Studio is around for a few years, it would probably be a great application to learn and help me to 'cut my teeth" on a fairly beefy photo-editing application.
So because of my hangups about The Cloud and A.I., that could be a good thing as far as Canva products go, because it sorta forces my hand to man-up and learn the harder applications, i.e. Affinity Studio, versus using the cutesy web-based Canva...