Clip Architect is a free Windows desktop build of the open-source MoneyPrinterTurbo. Upstream is a Python web app you start from a terminal; this is one program you install and open.
Type a subject. A model you chose writes the script and the footage keywords, stock video or your own files supply the picture, a voice narrates, and FFmpeg cuts the clips to that voice with subtitles burned in.
Every clip can be swapped before rendering. Nothing uploads, queues or gets watermarked. Free, GPL-3.0.