Yep- when I first decided to pick up the iPad, my thoughts were to have a bigger device with a bit less eye strain for longer sessions where I am reading news, web browsing, and going through social media- as well as having a device that would- in such a compact form factor- allow me to do some of my photo editing and maybe even dabble in video editing.
I know the iPad can do both of those without breaking a sweat- but as noted, my disappointment came when realizing my photo editor of choice- Luminar AI- does not have an iPad app. So, I would have to go to Affinity Photo which is not expensive and is admittedly a lot more powerful than Luminar- but would require a lot of learning as it is new and is rather advanced/complex.... or go with Pixelmator photo which is rather expensive (one-time purchase of $55), but is simpler than Affinity but may not get me the same results as I do with Luminar AI.... so none of those options are great- and the MacBook would allow me to simply keep using Luminar AI- but of course in the form of a traditional laptop, not the compact little tablet that I would be able to use in the iPad.
Otherwise, I would just be trying to use the iPad like a laptop as much as possible- I wouldn't really need an Apple Pencil, though was thinking of getting a 3rd party one to use more as a stylus, not any real writing/note taking or drawing. But, not a requirement at all for me.
I will see what the test drive with each really leads me to, certainly before buying any photo editing apps for the iPad.