In practice, I find it depends on your work scale, topic and cadence.

I started on the $20 plans for a bit of an experiment, needing to see about this whole AI thing. And for the first month or two that was enough to get the flavor. It let me see how to work. I was still copy/pasting mostly, thinking about what to do.

As i got more confident i moved to the agents and the integrated editors. Then i realised i could open more than one editor or agent at a time while each AI instance was doing its work.

I discovered that when I'm getting the AI agents to summarise, write reports, investigate issues, make plans, implement changes, run builds, organise git, etc, now I can alt-tab and drive anywhere between 2-6 projects at once, and I don't have to do any of the boring boiler plate or administrivia, because the AI does that, it's what its great for.

What used to be unthinkable and annoying context switching now lets me focus in on different parts of the project that actually matter, firing off instructions, providing instructions to the next agent, ushering them out the door and then checking on the next intern in the queue. Give them feedback on their work, usher them on, next intern. The main task now is kind of managing the scope and context-window of each AI, and how to structure big projects to take advantage of that. Honestly though, i don't view it as too much more than functional decomposition. You've still got a big problem, now how do you break it down.

At this rate I can sustain the $100 claude plan, but honestly I don't need to go further than that, and that's basically me working full time in parallel streams, although i might be using it at relatively cheap times, so it or the $200 plan seems about right for full time work.

I can see how theoretically you could go even above that, going into full auto-pilot mode, but I feel i'm already at a place of diminishing marginal returns, i don't usually go over the $100 claude code plan, and the AIs can't do the complex work reliably enough to be left alone anyway. So at the moment if you're going full time i feel they're the sweet spot.

The $20 plans are fine for getting a flavor for the first month or two, but once you come up to speed you'll breeze past their limitations quickly.