> suggestions are proactively generated and count against your account credit even if not accepted

This is no longer the case. They only count if you accept them.

Ime their model is not great, but better than copilot (ime copilot is just too slow and disruptive).

Also the options you have for tab-complete, afaik, are zed/zeta, guthub copilot, supermaven, and local models. I dont think there are other providers right now, glad if I am wrong in that.