Your time isn't free, and I'd certainly with more than $20/month.

I find it extremely useful as a smarter autocomplete, especially for the tedious work - changing function definitions, updating queries when DB schema changes, and writing http requests/api calls from vendor/library documentation.

Certainly, So I use an IDE, IntelliJ Ultimate to be precise.

None of the use-cases you mention requires LLM. Just available as IDE functionalities.

IntelliJ has LLM based auto complete, with which I am okay, But it still wrong too many times. Works extremely well with Rust. Their non-llm autocomplete is also superb, which uses ML for suggesting closest, relevant match, IIRC.

It also makes refactoring a breeze, I know what it's going to do exactly.

Also, it can handle database refactoring to a certain capacity! And for that it does not require LLM, so no nondeterministic behavior.

Also, the IDE have its own way of doing http requests, and it's really nice! But, I can use their live template to do autocomplete any boilerplate code. It only requires setting once. No need to fiddle with prompts.