We're not here to talk everyone onto Online. If your Desktop file is reconciled, does everything you need, and depends on a feature Online hasn't matched yet, the honest advice is to keep using it and plan the move for when the fit is there or a clean cutover arrives. Switching to a version that's missing something you rely on is a downgrade, not progress.
Where we do add value is making the eventual move calm instead of forced: cleaning the file, choosing the right moment, converting carefully, and proving the numbers tie afterward. Whether that's now or a year out, the goal is the same — you switch on a plan, with your history intact, not in a scramble because a deadline surprised you.