I know nothing about Affinity. My primary offline tool is Krita (or our air-gapped Adobe CS6). However, we have used Canva for a few years. Their use of "AI" seems worthy of quotemarks.
Many third-party-apps can be used from within Canva, including DALL-E, but Canva's own use of "AI" seems focused on basics like removing backgrounds from photos or creating QR codes(!?). I've not used much of their "AI" and so I might be missing the point.
Generally, Canva as a company seems pretty decent. Their Pro accounts are free for all registered nonprofits which is why we use them.
⭐ Please let me know if there is something terrible about them! (I would be super disappointed but don't want to be a part of the problem.)