So is downpayment on a house. I would buy the house and just pay for tokens as needed. The house will get more valuable and that wealth would buy a lot of tokens in the future - which will probably get cheaper.
EDIT: or buy AAPL. If I had bought Apple stock instead of buying a Mac LC II in 1992, then I would have about $2 million in Apple stock.
Had I done that as well, then maybe I wouldn't have gotten intrigued by HyperCard, then Director/Authorware, then Flash, then HTML, then...
With the way RAM prices are going up, you could expect to make 20% profit on any purchase.
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Or more simply – $25K (+ tax) put in a savings account will earn about enough interest to pay for a $100/month AI subscription indefinitely. And at the end of it you still have the $25K.