I feel you, we had 35 degrees here and I dont feel like going out in that!! Mostly late evening or early morning if I have to do something!
I know what you mean with your own account. I think your projects are also shared if you share an account, I cant remember.
Im not part of a team but considered it as it is a cheaper option for the tool. Now I am familiar with Canva, I am hungry to do more advanced things with graphics so might look at some other tools available too.