Fooocus https://github.com/lllyasviel/Fooocus

I have used to generate lifestyle images for ecommerce

✅ Nice interface ✅ FOSS ✅ Better at realism by default ✅ Run it locally pretty painless on Windows ✅ Faster with good GPU ✅ Advanced tools for tinkering 🚫 Might not make the style you need without advanced tinkering

Bing Image Creator https://www.bing.com/images/create

I have used to generate cartoons and graphics for tshirts

✅ Better at making designs/logos/clipart by default ✅ Free usage credits that recharge daily ✅ easy to use no setup needed 🚫 Slow sometimes 🚫 Microsoft account