And fine to do it in same folder same local laptop?

Yep, no problem at all. The only drawback is sessions cannot be shared directly between accounts, so if you're in the middle of something you'll have to do some extra work. To that end I have a handoff skill to persist state to a local markdown and a resume skill to load that state into a new session.

Say I'm down to about 5% of my 5 hour limit, I'll stop what I'm doing to call the handoff. Then I logout and login to the other account and call the resume skill. It adds about 5 minutes of friction to do all this and resume work.