If I paid for my API usage directly instead of the plan it'd be like a second mortgage.

To be fair, allocating some token for planning (recursively) helps a lot. It requires more hands on work, but produce much better results. Clarifying the tasks and breaking them down is very helpful too. Just you end up spending lots of time on it. On the bright side, Qwen3 30B is quite decent, and best of all "free".