> Claude sub has a 60x subsidy, so a $20 sub gives you $1200 in API.

This is only true if you max out the plan, which requires working around awkward 5-hour and weekly limits. For side projects, sure, you can use a Ralph loop or whatever and just continue when the window resets. For work, I can't afford to simply stop working when I hit my limit. And using Claude at API prices is prohibitively expensive.

Personally, I have a $20/month OpenAI subscription that I supplement with DeepSeek V4.1 Flash (currently using CoralBricks as the provider since it's fast and I'm grandfathered into their $0 cache read pricing). It's working out rather well so far. Even when I use DS all day as my primary model, I only pay about $1/day, which is roughly equivalent to what I pay for the sub anyway (but with no limits).