Coding with AI it feels like if you're not using the best model then you're possibly missing out - creating less capable, maintainable, just plain 'good' code. Why waste time using anything less than the best and cleaning up the mess later on. This is why I feel like local models and Chinese models aren't taking off (and Gemini/Grok) - they work, but they're plain just not as good as OpenAI/Anthropic. If you have the money then it doesn't make sense to code with anything else.
That depends entirely on how you're using AI. If you're getting it to do all the hard thinking, then sure using the best model is probably always going to be better. But it's also going to be expensive.
Using cheaper models and using your skills and expertise from the pre-AI era can get you working just as fast. You've gotta be more specific about the work you need doing. It's less "vibes" based, but they're still effective.
Also, Chinese models absolutely are taking off. I used Claude and GPT at work, and then I tried using some Chinese models for personal projects. I am 100% convinced they're like 90% as good for 10% of the cost. But you've basically gotta be a good developer first and know what you want and know when it's giving you shit.
There are diminishing returns, especially for more mundane tasks. Fable is nice, and I bet Sol is also nice. But there really isn't much of a difference right now when using something beyond Opus or presumably Terra for most things. They're most useful when doing greenfield, highly complex/novel tasks. When Open Source catches up, it will be more widely adopted.