We still use QB Desktop 2017. We used to upgrade every couple of year when they turn off the bank feeds to force you to upgrade, but every time we upgrade it affects our job tracking system which integrates with QB causing a domino effect of upgrades so we stopped. We use a 3rd party app called Transaction Pro to import all of our cc charges which was really the only reason for us to upgrade.
I understand why software companies want the "Holy Grail" subscription model, but it is a disservice to small companies. It turns software, that used to be an asset into a monthly/yearly liability. I am also very leery of putting all of my financial information online with a company that is constantly pushing "upgrades". If we talk about data security, you now have an software company knowing exactly how much you make, who you make it from and tracks every dollar you spend. In addition, they can now increase the cost at will and you won't have a choice but to pay it or spend thousands moving to a new system. It also limits innovation. Rather than coming up with a new feature or service that inspires us to upgrade, they just maintain the status quo or force changes on you, even if you don't want those changes. Just my 2 cents.
One of my vendors used a billing app to send us invoices. The company abruptly shut it down with no warning and no opportunity to move the data. He lost 3 years of invoicing history.