Agreed. We shut down our in-home business at the end of 2021. Then retired after working simpler jobs up until about a year ago.
But, I still use QB 2019 to track work I do on the side for former customers who are more like friends. That way, I can prove to the IRS (if they happen to do an audit) that what I invoice them for is not all profit. I can also provide the proof of expenses to produce the work, and then of course have a number for the actual net income.
All that said, there's no telling how long these older titles will run on Apple Silicon Macs. In the user's favor, there's a lot of x86 software out there. And not everything will be updated to a native app. Plus, unlike Rosetta 1 in Leopard and Snow Leopard, Apple developed Rosetta 2 on their own. So there's no licensing or other legal roadblocks to using it as long as they want.
And yes, like you, I absolutely will not use subscription accounting software. Especially not for my very simple retiree needs. Problem is, darn near everything out there is subscription software, whether it's desktop or online only access (I can't imagine why anyone would want their business data on a remote server, no matter whose it is).
I did try a whole two free accounting software products when QB desktop apps were initially crashing in Sonoma. They weren't at all easy to use or setup. And not just because they're unfamiliar.