The $20/month will go fast if you're trying to drive the LLM to do all the coding.

It also goes very fast if you don't actively manage your context by clearing it frequently for new tasks and keeping key information in a document to reference each session. Claude will eat through context way too fast if you just let it go.

For true vibecoding-style dev where you just prompt the LLM over and over until things are done, I agree that $100 or $200 plans would be necessary though.