I've been happilly using kimi models via the $10/month opencode-go[1] subscription for a few months now. I also use pi[2], instead of opencode. Their extensions api is nice, though OpenCode's is similar. My personal preference is more minimalism, add extensions when I want them, instead of the kitchen sink approach.
This is entirely for personal use and small projects. I don't have huge needs. I get access to gpt models via my employer for work things. But I'm also using pi with those models.
[2]: https://pi.dev/