The money is not the problem - you want the source code so that if the company disappears,
you can still maintain the software.
I would prefer to buy from those commercial players that have a clause in their license saying upon sunsetting the commercial offering or closure of the company the source code becomes open source. In the absence of such a clause, I prefer open source solutions.
[RMS was right saying "Free as in 'freedom' is not about payment." There can be paid-for open source software, and there can be free-of-charge commercial software, but the freedom to edit and recompile is the most important aspect of "being free".]
I'd prefer if computing wasn't structured around the idea of applications and the social component preferred the UNIX way of piping data through various small programs till the desired output manifested and then shared recipes instead of "software", but here I am enjoying YouTube on a small device that's completely locked.
But yeah, your vision is the next best thing I like to day dream about sadly.
You can still do that with Org files. I would say that grep touches my Org files more often than Emacs does.
I had the same workflow with Markdown files if you prefer the closed source Markdown editors. At the time, I was using VIM for editing and viewing the Markdown files.
https://obsidian.md/blog/free-for-work/