Went with Kimi and z.ai a while back, no regrets yet. When I started using it the limit was far away but Anthropic moves the goalposts, tried to get my money back but they rejected it. Lesson learned, never buy a full year.

Absolutely. Full year subs are all designed to lock you in. For a product with so little transparency and so much volatility in competition, this is a utility loss for nearly every consumer