Yes it is.
Look into Free and Open Source Software (FOSS) alternatives. You can just do an internet search for "____ foss alternative" and you should be able to something useable. You might have to learn different hotkeys or workflows but it's better than paying a creativity fee in my opinion. Note that the free in FOSS is for freedom, not $0.00. Some FOSS tools might cost money or might be financed by paid support.
All the posts I've ever made here have been created using FOSS.
Another thing is to prioritize things that you can run locally or self host. An offsite storage backup that you own won't be used to train a generative model, but the same can not definitely be said for onedrive or gcloud.
Your specific questions in this post can't really be answered however unless you state your medium. There is a big difference between feilds like photo editing, game development, and music creation.