Your hardware constrains the choice more than your budget
Final Cut Pro runs only on Mac and iPad, and some of its features need Apple silicon. Premiere Pro runs on macOS and Windows, DaVinci Resolve on Mac, Windows and Linux, and Descript on macOS 14 or Windows 11 and later, or in Chrome, Edge and Opera. CapCut has mobile, desktop and web versions. Resolve Studio can use more than one GPU.
One-time purchases change the long-term math
Final Cut Pro for Mac costs $299.99 once and DaVinci Resolve Studio $295. Premiere Pro is sold only by membership, at $22.99 a month for the single app on a one-year commitment, so a year of Premiere costs a little less than either purchase and two years cost more. Apple also sells Final Cut Pro in Apple Creator Studio, at $12.99 a month or $129 a year, but subscribers need an active subscription to open or edit their projects.
Compare how each editor handles shared work
Premiere's Team Projects puts several editors on one timeline in real time. Resolve's free version includes multi-user collaboration and locks bins and timelines so nobody overwrites anyone else. Final Cut Pro libraries can link to media on shared storage, and Descript bills each editor's seat separately, up to 5 people on Business.
Match the tool to the format, not to its prestige
A talking-head video, a vertical clip and a graded documentary call for different tools. Descript edits through the transcript and turns long recordings into clips, captions and show notes. Premiere's Auto Reframe and Final Cut Pro's aspect-ratio adjustments resize video for social platforms, and Resolve's color page and Fairlight audio workstation suit projects that need grading and a full sound mix. Running a full editor next to a simpler social tool is a sensible setup.