I have noticed the same with the $100/mo plan, I hit the limt only once with heavy usage. Then when I use my employer's AWS Bedrock it's not uncommon for my spend to $50/day of serious work. It doesn't make much sense.
The paid plans require you to use their interfaces or tooling. The main reason I pay per token is so I have tooling freedom. I'm not keen to let Big AI decide how I interact with this game changing technology.