"Around $400 a month of plans buys roughly $2800 of API usage at list prices, which is a real bargain right up until you hit the ceiling."
I realize this text is just slop but it never stops being a "real bargain" at any point.
And it's more like $200/mo for $4000+/mo in tokens. You can also buy additional subscriptions.
There's no sense in running local models or doing anything else as long as VCs (and soon the public markets) are willing to pay your bill.
Even if they were making a profit, their scale and expertise will obviously give you a cheaper product than what you can build.
SemiAnalysis pushed this to the limit and managed to get $8,000 of tokens from a $200/month Anthropic plan and $14,000 of tokens from a $200/month OpenAI plan: https://twitter.com/SemiAnalysis_/status/2064815044085318040