I assume you're using Opus.

I'm on the Pro plan. If I run out of tokens, which has only happened 2 or 3 times in months of use, I just work on something else that Claude can't do, or ...write the code myself.

You do have to keep a close eye on it, but I would be doing that anyway given that if it goes haywire it's wasting my time as well as tokens. I'd rather spend an extra minute writing a clearer prompt telling it exactly what I want it to do, than waste time on a slot machine.