Best MS product for my limited requirements?

Microsoft 365 Personal (for one person) or Microsoft 365 Family (for up to six people) best matches these requirements.

Both Microsoft 365 Personal and Family subscriptions provide:

• Word, Excel, PowerPoint, and Outlook desktop apps
• 1 TB of OneDrive cloud storage per person
• Advanced security features
• AI-powered features including Copilot

For Teams and PDF needs:

• Microsoft Teams (free) can be installed separately and used alongside a Microsoft 365 subscription.
• Word and other Office apps can open, view, and save to PDF, so they cover basic PDF reading and file conversion (for example, saving a Word document as a PDF).

Regarding Copilot dislike:

• Current consumer Microsoft 365 plans include Copilot features by default. There is no separate consumer plan in the provided information that includes Word, Excel, PowerPoint, and Teams but excludes Copilot.
• For users who strongly prefer not to use Copilot features, one option mentioned is switching to a “Classic” Microsoft 365 plan (where available) by managing the subscription and choosing the classic option when canceling or changing the plan. This keeps standard Office apps without Copilot AI features at the same previous cost.

To explore and compare Microsoft 365 Personal and Family (including any available Classic options), sign in to the Microsoft account and review the subscription options and benefits.

References:

• Copilot in Microsoft 365 Personal, Family, and Premium
• Microsoft 365 Personal, Family and Premium subscription benefits
• Introducing Microsoft 365
• How do I change to classic subscription (without Copilot)? - Microsoft Q&A