Please remember you do not need Anthropic. There are cheaper subscriptions with higher rate limits. Comparison of subscriptions to API: https://codeberg.org/mutablecc/calculate-ai-cost/src/branch/... Score/price comparison: https://benchlm.ai/llm-pricing

Opus is not worth the moat, there are multiple equivalent models, GLM 5.1 and Kimi K2.5 being the open ones, GPT 5.4 and Gemini 3.1 Pro being closed. https://llm-stats.com/ https://artificialanalysis.ai/leaderboards/models https://benchlm.ai/

Even API use (comparatively expensive) can be cheaper than Anthropic subscriptions if you properly use your agents to cache tokens, do context-heavy reading at the beginning of the session, and either keep prompt cache alive or cycle sessions frequently. Create tickets for subagents to do investigative work and use smaller cheaper models for that. Minimize your use of plugins, mcp, and skills.

Use cheaper models to do "non-intelligent" work (tool use, searching, writing docs/summaries) and expensive models for reasoning/problem-solving. Here's an example configuration: https://amirteymoori.com/opencode-multi-agent-setup-speciali... A more advanced one: https://vercel.com/kb/guide/how-i-use-opencode-with-vercel-a...