One job, done fast: Submagic wins
Submagic's discipline is its advantage. It doesn't try to remake your video; it takes a clip you've already cut and puts fast, well-designed animated captions on it, with a template library built for that single purpose. If captions are the only thing standing between you and publishing, that's the shortest path.
The limit is exactly as narrow: no eye-contact correction, no avatars, and its plans come with usage limits, so heavy weeks meter you.