I get about 20 minutes of work from my 5h limit with the $20 plan. It wouldn't bother me as much if codex would continue after the token bucket refills instead of waiting for me to show up and tell it to continue. I don't jump to the $100 plan because I would be in the exact same situation.
Harness matters in this. Using the Codex sub with Hermes eats tokens like nothing. Using it with Pi is much less but you don’t get the long term memory. When you were able to use the Claude subscription with Pi, I barely hit the 5hr limit. When they stopped allowing that, CC harness just chews thru tokens.