And can 'most people' even afford most of these services? Having seen some people's spend, even a $200/month plan has me questioning why I'd spend $200/month on Anthropic products when $200/month would be a substantial chunk of my housing as a blue-collar class IT worker just to survive.

You don't need a $200/mo plan, that's for people chewing through Opus tokens with multiple instances of Claude Code going in parallel. My impression is that most people just use the free ChatGPT tier, or $20/mo at most.

I own an apartment, my heating/electricity/water/internet/repairs costs ~400$/month.