I tried the agnostic thing for a while, but there are enough quirks between the providers that I gave up trying to normalize it. GPT5.x wipes the floor with other models for my specific tool calling scenarios. I am not going to waste time trying to bridge arbitrary and evolving gaps between providers.

I put my Amex details into OAI, I get tokens, it just works. I really don't understand what the hell is going on with Claude. The $200/m thing is so confusing to me. I'd rather just go buy however many tokens I plan to use. $200 worth of OAI tokens would go a really long way for me (much longer than a month), but perhaps I am holding it wrong.