Miss B - great point that you use software you are most comfortable using. Me? PSP since V1.0 when it was little more than a bit map editor.
As you point out - reasonable (comparative) pricing for PSP. 2021 version was $64 US upgrade for me. It is $80 upgrade online, a hundred for full version. (Since I am a long time customer I guess I got another bit off?) Even with those prices, they throw in extras: PhotoMirage Express (motion effects software - cool if limited use); Painter Essentials (V7 this time around); Aftershot 3.0 and a couple other goodies (backgrounds, stock photos, and brushes).
A lot of tools for under $100. And, like you said, put the install file on your HD and a backup copy somewhere else and it's yours forever with no other costs. (They even keep your serial numbers for all the software you've bought on their site.)
I was never a big fan of Adobe products because of 1. price and 2. not as intuitive for me. Seems they take 3-4 steps when PSP does same with simple 'drag and click.' This may have changed for current versions. But, I never got used to using Adobe products. (Exception is a third party software they market called Captivate for creating training presentations. Great software if your LMS can handle it.)
I have (and do use) many 'freeware' like GIMP, Inkscape, and such. They all keep getting better with their open source approach. It's like having the right tools in your toolbox when you need something different.
BTW, If you have the standard Microsoft Office suite, PowerPoint has a lot of photo editing tools. Not the power tools of PSP or PS. But more than enough basic tools to do quick photo edits for a presentation: . recolor, a handful of artistic effects, and, of course, cropping/resizing. (Such helps reduce the Death by PowerPoint).