I agree with your assessment that the harness is incredible and so I get a ton of mileage out of Auto + Composer 2. This is my workhorse.

Admittedly, with Opus 4.6+, GPT 5.5 I just haven't used them much and as I gain more experience I can see what the hype is all about. But to me, the answer isn't $200 max plan, it's bifurcating the work. Call me a spendthrift!