Agreed. What I suspect is: the dynamic model routing on CC is way stronger than people realize, and that "Percent-based usage" is intentionally vague because while it is probably measuring "200M tokens per week" or something, they don't want you asking questions about whether you're getting 200M Haiku tokens or 200M Opus tokens. A token is a token to the usage limit, where it comes from doesn't matter to the usage limit. But, to OpenCode it might, because OpenCode can just fire-and-forget everything at Opus (and probably does).