What can we expect in the future, given the rumors about a subscription-based Windows OS?

A friend of mine, who just gave up his personal automobile at age 80 because the insurance is too much, tipped me that MS was contemplating a subscription approach to their future Windows OS. I'm a senior citizen, like my friend. People use their cell-phones now, but I need a damn spreadsheet and something like Quicken to manage my life. Worse than that, I'm an old tech-veteran who has grown accustomed to having three working PCs. When it came to building computers, I looked for White-Box OS editions of Windows. In fact, recently, I acquired three retail box Windows 11 media in shrink-wrap. I have a "media PC" for movies and music, two twin desktops with Office and other software that I need, and a laptop. What's gonna happen to me? How much money are they going to extract from this poor old geezer? Can I even afford it?!