GIMP 2.10+ is completely free and open-source. With a bit of customization (PhotoGIMP patch), it can mimic Photoshop’s layout. It supports PSD files, layers, masks, and advanced filters.
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v21.0.3.91 specifically addressed GPU stability. It included better support for OpenGL and Metal (on Mac), reducing the number of "ran out of memory" errors seen in previous 2020 builds. GIMP 2
For $99 (one-time), you can buy Photoshop Elements 2025. It includes 80% of the core features (layers, selections, filters) but without the monthly subscription. Perfect for hobbyists. For $99 (one-time), you can buy Photoshop Elements 2025