For personal work. I use Orca.

1. Claude Code with $20 Claude subscription. This used to be a terrible value but now it's a great value, probably because of the IPO. I do a lot of coding and other things and I rarely get close to my weekly limit. I mostly use Opus 5.5 medium. Codex with gpt used to be good value but recently I canceled it cause I kept reaching my limits.

2. When I want a "different pair of eyes" to review things I'm working on with Opus, I use Pi with other model providers and just pay API prices.

3. Deepseek harness with a deepseek API key. Really great value.

4. I have a Muse $5/month subscription that I keep as a backup although I don't really need it.

I also use cloud agents to setup reoccurring jobs. For expensive agent runs, like visit 5000 websites and extract something from each, I would set up something cheap with an agents sdk and for the model use either Muse, Deepseek, or GPT-6-luna using their batch API.

I maintain all my dotfiles and agent files / context in a github repo so that I can switch easily between harnesses and providers.