Any suggestions on how to try out and/or buy Photoshop or Generative Fill?

I have a bunch of photos that I discarded as choices but now want to see if they can be salvaged using the generative fill feature. I was ready to buy Photoshop for a month with 500 credits, to download and use on my laptop, but right before I paid, I saw "Yearly, billed monthly." After searching realized that a TON of people have gotten screwed with a 50% of year cost cancellation fee. Turns out that monthly charge of $29.99 is only if you commit for a year. The monthly charge where you're allowed to cancel at the end of the month is $44.99/month.

Then I said ok fine, I'll just do the 7 day free trial to try this out before risking any kind of nightmare cancellation issue. 7 day free trial only allows you to transition into a yearly commitment. Still way too risky. I do NOT want to be fighting to end a subscription after seeing so many horror stories.

I then tried to use Apple Pay for the subscription from Safari. They're great about making sure you have control over montly payments. Would not go through! I tried multiple credit cards.

So fine, something less financially risky. Maybe the monthly firefly. But you can't use that on any desktop application. Like if I go to a desktop photoshop installation at my library, and log in with my account for firefly, it won't work.

Then I saw adobe express. But I can only download for iOS or android.

I am at a loss. Should I just risk the 7 day free trial to try this out? And how does this dumb credit thing work while I'm trying things out? I have spoken to so many adobe support people and can't get a straight answer on how a free trial + subscription works for number of credits.

I don't mind paying for adobe but $44.99 a month is a lot, especially since it's a limited number of credits and I'll just be trying things out.

My requirements

- Reasonable cost. I'm not a professional, I just want to play

- I want to keep a really high image quality for the generated images, close to my original photos Seems to rule out the web?

- I want a decent amount of opportunites to play with it with their credit system

- I don't want my pics in some database somewhere training others. That's why I prefer desktop

- NO subscription fights. I have enough to deal with and it looks like adobe is kind of terrible to get into bed with

By the way, I signed up for midjourney/discord and plan to try out their Vary(region) feature if I can't get this going. That's how frustrated I was trying to safely give adobe a reasonable amount of money to try out their products. I learned how to discord so I have a backup option

Today I used it for the first time to create a plate to cover up some brandings on t shirts, as well as expanding vertical stills to 16:9.
I know AI is all the hype now, but I was really suprised by the quality and versatility of the tool. I even could react to notes from the director and improve certain parts of the image.
And everything is in the browser, no need to install any Adobe software. There is a free version available with limited use, go check it out.