> I think the biggest money unlock for most people is just to not use the largest models. Luna / Deepseek are a dollar or two a day for coding.

If someone is in a position to use the personal subscriptions, the $20/month plans are about a dollar per work day. I'd rather have the $20/month plan for Opus or Sol 6.1 than deal with all of the extra churn and babysitting from Luna or Deepseek.