I don't think we've agreed to anything. That said I think paying for something like Claude Code makes a lot of sense because you can outsource the question of "how many tokens should I use per hour and how should I use them?" to the people providing the tokens.

If you want to plug your API keys into a third-party harness, that's totally cool and honestly, I'm looking into doing that right now and I haven't used any of the first-party harnesses at all. But the first time I accidentally spend $300 in a day I may be thinking about how a $20/month plan might be pretty good even if performance is inconsistent, at least I know what my costs are.