For autocompletion I suggest giving Zed's own offering another try. It's guesses somewhat correctly at least half the time and is very convenient when it get's what you're trying to do durin a refactor and suggest valid multiline changes. It's still rather annoying when it replaces regular autocompletion for import paths with it's plausible sounding guesses. Before that I was using Cody, but I don't think that they have free tier any more.

> immediately consumed the entire free tier's worth of credits in just a few minutes of normal coding

Happened to me too when I've tried to do a single edit with connected gemini pro. It somehow ran out of free quota even before finishing it.