Most paid certs aren’t worth much anyway. Payment and delivery info for DV certs isn’t validated by anyone, it’s literally the same concept as Let’s Encrypt. OV and EV are the only ones that theoretically have any value, but nobody is using those ever since they got rid of the URL bar labeling; even Amazon is on DV nowadays.
Basically yes. Rancher Desktop sets up K3s in a VM and gives you a
kubectl,dockerand a few other binaries preconfigured to talk to that VM. K3s is just a lightweight all-in-one Kubernetes distro that’s relatively easy to set up (of course, you still have to learn Kubernetes so it’s not really easy, just skips the cluster setup).