If you don’t need the extras, you wouldn’t pay anyways (neither once nor subscription). The question is if those to two options are actually equal, feature / content-wise:
“What we do know is that the one-time-purchase version of Final Cut Pro for Mac will miss out on some ‘premium content,’ according to Apple’s website”
(I guess this means access to the new media library, something like “Adobe Stock”.)
From what i gathered by watching a few YouTube videos (always a source of reliable info 
) the subscription gets you the AI tools, including the Creator Hub, plus (unspecified) premium power features. Non-subscriptions get more conventional features/updates.
All is speculation (which is fun) until Jan 28th. I personally have no interest or need for any of this Apple Creator Studio stuff, apart from interest in their plans for the free versions of Pages/Freeform and Keynote.
That’s the most likely scenario. Affinity just went that route with version 3 - “basic” version has everything except AI enhancements and quite a few other companies, including MS Office, Notion, Google Workspace and Grammarly do that. I can’t see them starting to strip down the features from standalone versions.
I don’t see anything wrong with that licensing model because not paying for subscription doesn’t cripple the software or shovelling AI features down your throat if you don’t want them.
AI features are the only ones that really have an ongoing, usage-based cost to the company. Wanting to pass that along to the users makes sense.
(It also gives them an easy way to measure “how many people want AI badly enough to pay for it,” as opposed to “how many people will experiment with AI as long as it’s free.”)
I’d add the “media library” to that, especially if they license third-party content.