Photo library management bake-off

 I've worked with several different photo management/editing apps over the years. I've used both Apple Photos and Google Photos for the last 10 years-ish. I never quite fell in love with either. Back in early days with my first digital camera, I used and absolutely loved the now long dead Picasa. It had just enough features without going overboard In complexity, and wasn't hell bent on locking users into their proprietary little world.

I do have an ever increasing list of requirements for photo managers as I've been snapping away at pictures over the years...

1. Can quickly do basic lighting fixes and crop photos. I don't need hours and hours of computer work every time I take pictures... I spend enuf screen time as it is.
2. Allow me to manage and search for metadata: Keyword tags, ratings, Camera name, Lens, and hopefully GPS.
3. Allow me to manage my photos using normal operating system directories and files. This makes it easier to use multiple tools if need be. Importing every photo into monster .photolibrary files like Apple Photos aren't really useful.
4. Avoid complete lock-in to a particular vendor, their proprietary data/files/database.
5. Really prefer non-monthly license. Just let me buy the thing once, and let me decide when to pay for an upgrade.
6. easy exporting of photos in various sizes for sharing/posting

Originally I thought I'd be using one package for organizing my photos and their associated metadata, and a different one for editing, and maybe another for Cloud based sharing. So I've looked at or used these apps below, and decided against them for one reason or another.

1. Apple Photos - Used it for a few years. Editing a bit fiddly, and monster photolibrary files are icky, all the cool iCloud integrations are kinda meh for me as an android user.
2. Google Photos - I export my shared albums here, but not enough features for managing a large photo library, and you're locked into Google's little world (I did appreciate their 'Takeout' ability to download all your content).
3. ACDSee - felt like it was a little buggy. And UI looks so very dated., and bizarrely it couldn't seem to cope with me having my photo library on an external SSD drive.
4. Luminar 4 -  Nice modern UI. No exif searching, and exporting JPGs were HUGE, absolutely bloated exports. 
5. Afinity - too geared towards creating art with wild effects from photos.
6. PhotoShop and most of Adobe's lineup - Too much $$ per month, and super complex to use. Real professionals use PhotoShop, and I ain't that
7. Adobe Bridge - Folder centric, which is nice for portability. Nice for organizing, but no real editing (lighting/crop). Seems pretty easy to accidentally dork up exif fields, since it's destructive exif editing. Creative Cloud seems like a control freak for a 'free' piece of software like Bridge that isn't licensed monthly, and I don't trust Adobe to continue to keep Bridge free.

On1 Photo RAW 2020  - This is the one I'm gonna go with.  Modern UI, can be folder centric and good at searching/managing my library. Probably has tons more editing features than I need, but the basics are easy enough to use. Lots of documentation and online tutorials.  Wish they had an 'export filename list' for Albums so I didn't feel like my album data is trapped in On1, but I've figured out how to work around that. And lastly, the price is right.  For a while, I think I'll trust my eggs in the On1 nest.