I think the good news is that open-source models are a genuine counterweight to these closed-source models. The moment ads become egregious, I expect to see and use services for an affordable "private GPT on demand, fine-tuned as you want it"
So instead of a single everything-llm, i will have a few cheaper subscriptions to a coding llm, a life planning llm (recipes, and some travel advice?). Probably it.