It doesn't have to be like this. For me one 20$ acc with another one for backup I rarely use, is more than enough. I leverage this tool simply as a typist - it can't think so it mustn't, it can't architect since it's merely a "guess the next word" game with many extra steps, but boy can it type fast. I just make sure it types exactly what I would have typed and nothing else, this way I get to enjoy both worlds - improve my throughput and not produce slop.