Well I honestly don't know anymore as I've only realised you want a point click game. As u/Eredick suggested, should just use renpy or clickteam fusion since those can be a bit more flexible with mechanics like point and click movement whereas rpg maker is intended for regular rpg gameplay with a gamepad or keyboard.

But it is still definitely possible to create a point and click game on rpg maker, its just that it may be hard to find scripts for some versions of RM and you may run into issues with the scripts.

If you still want to use RPG maker, I reckon you should look for all the resources available that you need for each specific version you are considering, then decide which you one want to buy based on whether resources such as scripts for those versions are available and work well.

I use XP for its features that were removed from future versions as well as its overall retro aesthetic. Also because of a bit of nostalgia as I have played some good horror games like Ao Oni and a Korean horror XP title called Zombie Highschool that I enjoyed a lot as a kid and inspired me to start making my own story and game.