I have a 2020 Premier edition that I use once or twice a month. 
I saw that QB locked out the ability to download transactions. Why? 
I don't need new improvements, I don't do credit card processing, I don't have employees. 

It's just me, a part-time business, creating invoices once or twice a month. 

I just want to keep downloading bank and credit card transactions like I have been. 

I don't need nor want monthly fees that would eliminate most if not all profits. 
I have been buying QBs for the last 20 years with every 3-4 years doing it solely because QB makes me do it. As my business slows down, I'm looking for ways to cut costs, not increase them.