I have Luminar and DxO both installed on my computer
Neither of these apps have a library as such. To work with them you store the files in the Finder, and browse the folders from the app in question. Luminar is full of presets and tricks, but rather better as a marketing concept than an actual editor. They have a long history of over-promising. DxO is an excellent Raw processor, arguably the best. But it has no Library as such, it just surfs folders in the Finder.
I get that you don't want to use Lightroom but LR Classic is an excellent cataloging tool and can use both DXO and Luminar (and lots of other things) as plug-ins.
To get files from your camera or device to folders in the Finder simply use Image Capture (in the Applications Folder). This completely by-passes Photos. Neither DxO or Luminar have an "Import" command, as neither has a library.
Using Image Capture you can put the files wherever you want.
The only way to get the files out of Photos is to use the File -> Export -> Export Unmodified Originals command.