After reading the Stock Rules... and considering the stock is part of the Creative Cloud - (it appears, not just a personally owned downloadable file but you still have a hold onto it and a link too) if by chance I cancel my subscription in the future, will the stock I downloaded and paid for during my monthly subscription still be usable, say months later since I downloaded it - or does it disappear back into the cloud? Silly question, but it appears the stock is mine to use only and if I continue with the monthly subscription even after I download it and not cancel?
Any images you licensed 'before' you cancel will continue to be yours to use and are still bound to the licensing agreement. If you cancel you will lose any remaining credits though. So if the time comes that you need to cancel, be sure to use up your credits.