I too am a 25+ year user of Quickbooks and have always upgraded the product. I currently run the 2019 Desktop version, I don't subscribe to their payroll (because its way too expensive and frankly I don't trust that the data is safe with them), nor do I use any of their online banking (for the same reasons). I have looked at and done a trial of their "online" version and in a word it sucks! It looks to me like the new 2022 version is only an annual subscription and they'll ding you every year going forward for $350+. Additionally, there do not seem to be any quantifiable improvements made to warrant the upgrade and certainly no justification for the price.

I made the mistake of calling Intuit inquiring about ordering the new desktop version and of course was connected to some high pressure sales person located in a foreign country who speaks poor English at best. When she put me on hold I hung up because #1 I could barely understand her and #2 she would literally repeat EVERYTHING I said before providing me with an answer and #3 all she wanted to do was sell me on the online version. She has called me back twice already and to get her off the phone I agreed to have her call again tomorrow. Oh boy, I can't wait!

At the end of the day, I'm just going to use the 2019 version until it completely wont function anymore and when that happens I'll look for another option, and it won't be Intuit. They have completely turned me off.