I pay for Copilot annually, and mostly for its code auto completion features. I use CC if I want to do anything agentic. Not sure if I want to pay more for occasionally-good-intellisense at this point.
But you can no longer amortize annually, which makes it even more a question of "is this worth it this month?" each month. Especially for personal accounts.
I'm similarly thinking about sticking with the auto-downgrade back to Copilot Free when the annual sub ends and then just yelling about it any months I hit the 2000 completion cap.
I wouldn't mind a plan between Free and Pro that is just "all I care about is code completion and next edit suggestions".