I know exactly how you feel, I’m having the same thoughts. I’ve never tried Substance Painter but from what I’ve seen it really makes texturing easy.
But it’s just too expensive for me right now and I want to have a workflow with completely open-source tools, like Gimp etc.
I’m always really sad when there are new cool tutorials about texturing and they all require Substance Painter
I also tried ArmorPaint but couldn’t get any good results since there are not many tutorials/presets etc., but it looks very promising for the future.
In the end I textured everything in my current Projekt in Blender itself, you can actually do quite a lot of things with the built in tools.
The result looks like this: Old silver Mailbox (Lowpoly) - 3D model by master_edd (@master_edd) [35bef09] - Sketchfab
But its very cumbersome and the node tree looked more than confusing at the end. But I could paint scratches, rust etc. directly in Blender, which is what I wanted.
I really really hope that the developers will create a better workflow for PBR materials, masks, painting etc. in the future, that would be my greatest wish for the next big steps in Blender.