@SCase135 

I do not want to pay to upgrade or renew my 2024 desktop version for next year. I want to use it as I have been using it past the "renew" date in September. Can I do this?

No. If you don't pay the renewal fee, you will be in read-only mode for 1 year before they lock you out. You can use the trial version as a workaround.

If I can't - is there another alternative to avoid the $649 charge?

You can ask a reputable partner to change your payment method as a workaround to ensure they won't charge your card in the future.