Yes, that's the situation at launch. The fear that's expressed above is that the subscription model incentivizes pushing people towards it as hard as possible. It's the exact opposite of Serif's straightforward model from before. Get ready for most new features (including ones that are unrelated to AI) to become locked to the subscription model. When they think they're not getting enough out of Affinity, they may also start cutting core functionality to force people to subscribe. Maybe, a limit on how many documents you can edit at once, or a layer limit (for the photo part), or an object limit (for the vector/"designer" part). This is how all of these subscriptions go nowadays.