I've only been to Ohrid, so I can't help on the Ohrid-vs-Prizren choice. I liked Ohrid a lot and would be inclined just to go there.
I do have some thoughts on Tirana. It's the only European capital I've been to (and I've seen nearly all of them) where I overestimated the time I'd need to see the sights. The biggest issue was that at the time of my trip (May 2024), the country's largest archaeological, historical and art museums were all closed. The first is in nearby Durres; the other two are in Tirana. There are other sights to see in Tirana, but I think folks who don't happen to be nuts for Cold War history may be somewhat underwhelmed. It's not that Tirana isn't worth visiting (and Albania has many interesting cities and towns, don't get me wrong), but in my view there are more-exciting destinations in that part of the Balkans. I wouldn't plan to spend all my time in Tirana.
I didn't rent a car, but I've read car-rental rates are reasonable. I ended up using taxis a lot to get from town to town, because the bus situation is really tenuous. Where's the bus station? There are several departure points, and it to\urns out it's not easy to get an answer to that question. What time does the bus leave? Good luck finding out before you (finally) get to the right departure point. Every inter-city trip is a possible disaster awaiting a visitor with an inflexible schedule, so I would only do day trips to distant destinations with my own car. Durres (skippable unless the archaeological museum has reopened, as far as I'm concerned) and Kruje (at altitude, so it will be cooler) are close enough to Tirana that one might dare to plan bus trips to them. Or a taxi won't be terribly expensive.
ATMs in Albania tend to have confiscatory fees, and it's still a rather cash-based economy. However, quite a lot of places will take euros, and often at a very, very good rate (close to the official exchange rate). The cheapest way to get local currency is to have some euros (best) or dollars with you and go to a well-priced currency exchange. I used an Iliria booth in Tirana. Research the official exchange rate ahead of time and ask the money-changer how many lek you will receive for the amount you want to exchange. I only paid about 1% off the official rate, which is an outstanding deal.
You mentioned this is part of a European holiday, so I want to certain you aren't planning to visit Serbia later. There are apparently still issues with entering Kosovo, exiting Kosovo to a country other than Serbia, and then later entering Serbia. The problem is that the Serbs consider Kosovo part of their country. Therefore, you need to be very cautious about visiting Prizren and returning to Albania or Macedonia.