I've been having success with Opus but you REALLY have to tame it. Long prompts that list what files to look at, relationships between entities, etc... I went from regularly hitting my daily limit to almost never hitting it. Oh, and also I was being lazy with small changes and stopping that helped a lot too. As you said, it gets in these loops where it's just churning and if you don't stop it it can go on for way too long.