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I set my camera to RAW and took a few exposures but I can view them on my pc.
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If you want the microsoft viewers to show them, you will need to download the codecs from Nikon or Canon.
Most image viewers you pay for will do them already.
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Do I have to buy Lightroom or Photoshop? Are there free options?
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Adobe, Corel, etc, all the big name graphics makers are all good options for the money.
The camera makers will give you free software with limited editing abilities.
There are also free third-party software you can download. In my opinion, you get what you pay for.
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I'm not sure how much editing I will be doing at this point but in the future I may that's why I plan to shoot RAW.
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All DSLR photos need to be processed to bring out their best.
JPG vs raw is about the amount of room you have to play in.
The camera can do some or all of the processing if you don't want to do it, but the camera's abilities are limited.