should i buy one time purchase or subscribe for 69$/ yr? small user . Senior.

Re: Microsoft Office 364 for Mac. Is there a downside to buying a $149/ one time purchase vs subscribing at $69/ year as a single person home plan.? Already have access still to a working copy of Office for Macs 2011. ( old iMac 2011) still works fine Maxed out memory 2T hard Drive ) (Have working Purchased copies of Photoshop, Illustrator, and Lightroom before subscriptions ) Am using Excell to store passwords and expenses monthly quarterly annually as a budget management tool .

I understand they won’t be exported to newer versions but the data can be saved as pdf and mailed with a password to myself right. Just trying to have a good record of the passwords which are automatically used by Apple’s

Password auto fill . Rather than paying for a password manager.

Be candid, tell me if I Should invest in 364 or password app.? I never had to buy password app when I had an up to date excell record of password changes by web site. Using facial ID on Iphone 14; Fingerprint on MacBook Pro 2016, and code entry on I Pad Air 2 (2014). So passwords are being updated and working with auto fill. Except for new web sites.

Should I:

pay for Office 69$/year or pay for a Password app ? $99/year?. Never had to Pay for or use a Password app when had Excel spreadsheets before my MacBookPro purchase 64 bit system upgrade.

Senior Mac user with no one else to ask:) Any advice welcome. PS enjoying learning how to use Excel again-on (some great YouTube videos ) . Do you all use a password

manager? My best pal is pro Android/ anti Mac so can’t ask him . Which one.? Tried the one month trial of Office 364 and love it. And Word.