I could see how this might feel frustrating to someone who doesn't enjoy experimenting with new things all the time.

In practice, you can get away without keeping up with everything all the time. For personal use, pick a provider and get on their ~$20/month plan. Learn their high/medium/low model hierarchy. Start with their highest or second-highest model (GPT-5.6, Opus, etc) and observe your quota usage. If you're doing a lot of manual code review and analysis, the $20/month plan goes very far even on the highest models. If you're trying to vibecode everything as fast as possible it's a different story.

If you keep running into quota limits, experiment with the next model down for easier tasks or adjusting the effort level. If the results are good enough, you've found your fit. If they're not, you might need the next plan up.

For API/business use, you have to be checking your token spend as you go to calibrate to how much each task costs and where you fall in your budget. There are a lot of different tools that make this easy to visualize.

For data tasks, you should have an eval with a golden dataset that you can run against new models for a nominal amount of token expenditure. It should be as simple as pointing the eval script at a new API or model and checking the score versus price.