With DNS configuration in DH you can point a domain to any IP address. The site doesn’t need to be hosted at DH. You won’t have a full account here just because someone bought a domain. I believe registrar-only accounts have a smaller dashboard just for DNS. So you will probably continue to pay DH as the domain registrar, and use DH nameservers to point wherever the site actually is. You can change the registrar for a site but since this is a trivial service it doesn’t really matter which company is providing the service. So for example, I have domains registered under GoDaddy and PorkBun and their DNS includes a reference to the DH nameservers for sites hosted here.
I don’t know if someone is comparing apples to oranges here… Digital Ocean specializes in services that are exactly like DreamHost DreamCompute. So if you think that’s tough, then sure, you might want to use shared hosting with DH. But if you want to move from DO cloud hosting to DC, then you’re going to get the exact same experience. Honestly, because the DH wiki lacks a lot of detail, I often find answers to my DC questions at DO, and it’s 100% useful here.
You can use FileZilla (SFTP) and Putty (SSH) to access both shared space and DC servers.
BTW, @denzo234 that mcdvoice site looks scammy as hell.