I'm a $20 user and was given $100 extra usage credit today, "for Fable" (I'll be sticking to Sonnet and sometimes Opus TYVM).

What to do with $20 on Fable? One prompt or two ?

True. However, I believe most non-programmers don't need access to the fanciest model, but just want to use a good LLM without constant nagging about usage limits. Then 19 vs. 20 is true?