I know you said "not after any advice", but couldn't resist!
Sounds to me like you've made a sensible choice sticking with MS365, but surely paying the annual option gives better value? £15 per MONTH sounds hell of a lot. I only pay £55 per year for a Family level subscription giving 1TB for each of us (way more than we actually need), but that is on a 'Home User Plan' that we got through work before I packed in, but it continues still. Should only be something between £60 and £80 per year ..... or do you need to have a Business version? Even then, I'm surprised it costs anything like £15 per month, and doesn't the 'Home User' plans give you all you actually need anyway (as they include all the main apps etc).
Re. printing. I have an old Canon ink jet printer which keeps going. I have a few cartridges left, which I've picked up when the likes of Tesco or Wilko's have offers on for their own brand inks (work absolutely fine). However, when it finally goes, or when I've used up the cartridges, I'll likely get one of these newish Ink Tank printers - a higher up front cost but then the ongoing ink cost is literally next to nothing (pennies). Computer Active have this one as their 'best buy' currently ...
https://www.argos.co.uk/product/9509485