You don't own it. You never own software unless you wrote the software. You only own your right to use that software. That's all a license provides you. In 5 years that license will be outdated and mostly useless. Maybe a bit longer depending on the software and the machine you're running it on. 

I already 'own' a full legal license to CS4 design premium, which I got back in 2009 and does me no good when applying for jobs today that require CS6 or CC - more commonly CC. And most jobs available, whether it is full time studio work or freelance gigs, require Adobe software more than any other software out there. Once in a while you'll see Corel, but mostly it's Adobe. 

All that other plan does is allow you to pay for your license over time instead of right up front. And they're charging you more for paying over time. And between their two options, there is no added benefit. They price it based on how much revenue you're making, as if that's any of their business. You're not getting any additional features for the difference in price. And when that version of their software is outdated they'll expect you to buy a new upgraded license. 

Another added benefit to a subscription service, at least in the U.S., for freelance artists, is tax deductions. You can deduct the cost of your subscription from your total income as a business expense every year, as opposed to the one lump sum you would only get the first year. Just pointing that out.