Don't Purchase a Stock Subscription - Buy as you go
I've been an Adobe Stock subscriber for a while now and have acquired quite a large available quota of assets. Recently, I decided to cut back on my freelance work, so I contacted the help centre for advice. I discovered that any assets that aren't downloaded before the end of the billing cycle would become inactive. They cannot be transferred to another account, refunded or even reactivated in the future. So basically, assets that are paid for through a subscription but not licenced disappear once the subscription is cancelled - it just doesn't seem fair. My advice is to buy as you go if you don't want to be stuck downloading images you don't need.
