Well my solution is to use an editor that is free, open source, and is not burdened by a license that cares not what information I store in it's memory nor how many other people I organize with.

I agree. This is my solution also.

Obsidian's license terms are weirder than expected. But I'd never hesitate to use a Personal license for random, incidental professional purposes.

But I'm much happier to avoid thinking about the question altogether.