I found my lic#, etc. Now what?

How much does a license cost and is it PERMANENT? I bet it's the same as the yearly subscription, which doesn't help me at all. It's 6 of one and half a dozen of the other.

If I switch to QBO, do I have to give QB access to my bank accounts? I do NOT use automatic transfers to my accounts. I do everything manually. Is QBO only available to use on your website? What if my internet is down, or what if QB website is down? Then all my data is LOCKED with QB? I do NOT use a mobile phone to do accounting, invoicing, reports or bank reconciles. We are a regular brick and mortar shop, and this "Only Online" does NOT work for our business. I need Desktop software.