Wow the 20 dollar Claude plan sounds awful. I use Claude at work which has metered billing and have to carefully not to hit my four figure max cap.

For me $20 a month is more than I want to spend I just use the free tiers. If I use AI in an app or site I use older models mostly chatgpt3.5. The challenge is more fun and it means I can do more like, make more api calls - 100x more.