It’s funny how different everyone’s experience is with this stuff. To me the diminishing returns are more around not going crazy with prototyping or running with xmax thinking all the time. I haven’t found it hard to stay under the usage limit of one $200/mo Claude and one $200/mo Codex subscription.
If my company told me yeah we’ve decided you don’t get Fable or Opus 5 because it’s too pricey, you gotta use GLM whatever, I’d be displeased.