[commandar]

It's going to depend heavily on your usage.

I use Copilot because work is paying for it and it can be made usable, but requires being really deliberate about managing context to keep things on the rails. It's nice that it gives you access to a pretty decent selection of models, though.

At home, I'm mostly using the $100 Claude plan. It's definitely not cheap, but I've found it has a pretty decent balance for my casual experiments with agentic coding.

Another option to seriously consider is setting up an account with OpenRouter and just tossing some cash into your bucket on occasion. OpenRouter lets you arbitrarily make API requests to pretty much any model you want. I've been occasionally tossing $10 or so into mine and I'll use it when I've hit my usage limits with Claude or if I want to see how another model will attack a particular task.

FWIW, I use Roo code for all of this, so it's pretty easy for me to switch between models/providers as I need to.