1. Personally? Claude monthly and I also keep money in the API service and slowly chip away at it with various apps and toys (I created a Fantasy Premier League app that does research and sentiment analysis as part of its runs and that costs money... but not much) . Professionally I use an unlimited Claude via AWS Bedrock.

2. I use both qwen 3.6 35b-a3b and qwen 3.8 27b on my Macbook Pro (M5 Pro, 48GB, 18/20). I use those with ollama and hermes (and Obsidian, to an extent)

3. Hermes Agent, Claude CLI and Claude in VS Code

4. No

5. Hermes Agent

I use a carefully curated selection of agents for my professional work. Agents to handle adversarial code review, planning, questioning, dev work, etc. I also have custom instructions for various repos that need them (where I can define things like repo norms that are not immediately obvious, data models where needed, etc.