Hello Gingersnap2091
Hi, I'm Karl and will be happy to help you today.
Whether a MS 365 subscription is a better option for you depends on your requirements but if Publisher is a key requirement - then a MS 365 subscription would be your option between the two
In a nutshell - the benefits of a MS 365 subscription )Personal or Family)
#1 - Includes the full suite of desktop Office apps including <Publisher> & Outlook
#2 - Is always the latest version of Office
#3 - can be used on all of your devices with the only limitation being that only 5 devices can be logged into Office at any one time
#4 - includes a <Premium> 50GB ad-free Outlook.com account
#5 - includes a 1TB OneDrive account
Office Home & Student
#6 - can only be used on one computer
#7 - only includes Word, Excel, Powerpoint
#8 - A new purchase is required if you want to upgrade to a new version of Office
From a price perspective, 2 yrs of a MS 365 subscription is less then a one-time purchase of Office Home & Student
Microsoft 365 subscription options
https://products.office.com/en-us/compare-all-m...
Office Home & Student 2021
https://www.microsoft.com/en-us/microsoft-365/p...