Not sure why you were downvoted.. I think you are correct.

As evidenced by furious posters on r/cursor, who make every prompt to super-opus-thinking-max+++ and are astonished when they have blown their monthly request allowance in about a day.

If I need another pair of (artificial) eyes on a difficult debugging problem, I’ll occasionally use a premium model sparingly. For chore tasks or UI layout tweaks, I’ll use something more economical (like grok-4-fast or claude-4.5-haiku - not old models but much cheaper).