I like using Gemini for general stuff,

I have that Gemini AI plan thing, and it's great. But I absolutely will not plug my credit card into Google cloud services, no way.. I know I can put guardrails up, but I just am terrified that I'll get a gigantic bill that I cannot afford.

Nope sorry no way. I want a simple $X per month sub.

Claude gives me that. Which is why Claude wins.

That's fine but you're missing out, and you're most likely paying waay more than you need to.