I'm planning on switching from the $20/month to the $100/month plan.
It's worth it, and I can afford it, but I am not really the right type of user for token-based usage. It's all for personal and free work.
I have the $100 plan and had almost never run out of credits until I started using the ultracode / workstreams feature w/Opus 4.8..at which point I managed to blow the full 6 hour allocation in like 20 minutes, or so. In fairness, it did some amazing things with the extracted information, but it also strongly suggested that I'd need the $200 subscription *plus* a budget for extra usage.
Instead pay for 3 Chinese models. No max out ever then. I pay for kimi, DeepSeek and Claude. Whenever Claude decides it's over, I can safely continue on very cheap plans.
Just a personal anecdote but I have not hit any more thresholds or limits since switching to the MAX plan and so far, it's been worth it. But I do wonder how long even this will last...