With the $200/month plan I’ve never ran into any limits or issues. The product can be used every day for extensive sessions and development. What is everyone doing that makes them talk about tokens versus dollars?
But let's put it in perspective: what you're paying them is more than the average salary in many poorer countries.
I ran out of usage using GPT-5.5 and had to buy a second subscription. I now switched to GPT-5.4 which is basically 2x usage.
If you've never hit the limits, why not do the $100/mo plan?