I've been wanting to try YNAB and recently heard they are switching from their downloadable format to web-based/subscription. Do you have an opinion on one or the other? Should I just bite the bullet and get it now?

Also, practical question -- my husband and I both have work laptops that we use daily, but I feel uncomfortable downloading non-work software on it (especially about my personal financials). Our only other computer is a Mac desktop (but we have iPhones and an iPad that I'm assuming we can access the YNAB platform from rather than having to sit at the computer each time) -- so would it work to download YNAB on the home desktop?

Thanks so much!