Depends how much you are using it - for a casual user the $20 tier gives you just about enough use for hobby projects etc.

Or if you are doing full time development then you just need to pony up for the 20x tier if you want to use it.

Running Codex locally removes so much friction and is so fast compared to either running it on the web (where it has to build environments online etc which consumes time) or compared to copy-pasting chatgpt that it's just a no-brainer.