Thank you JET for your quick and informative answer!
You guessed right, I decided to make the switch from Adobe to Affinity exactly due to the high amount of subscription fees here in Europe. The student versions were manageable, but now that I want to run my own business, it's just extremely difficult to pay those prices continually. Since I am mostly using just Indesign and Photoshop, I see no reason to pay for all the other apps and additional services like cloud storage etc. Adobe's licensing system really is confusing, thanks for providing clarification.
I think I'm going to find a new and better home with Affinity soon :)