You will start seriously worrying about coding AI bills within 6 months

Nope.

More open models ship everyday and are 80% cheaper for similar and sometimes better performance, depending on the task.

You can use Qwen-3 Coder (a 480 billion parameter model with 35 billion active per forward pass (8 out of 160 experts)) for $0.302/M input tokens $0.302/M output tokens via openrouter.

Claude 4 Sonnet is $3/M input tokens and $15/M output tokens.

Several utilities will let you use Claude Code to use these models at will.

Where are you seeing those prices? Cheapest one I see (and it has horrible uptime/throughput numbers) is $0.40/$1.60, and it's more like $2/$2 on average.