I subscribe to OpenCode Go when I have a personal projects I need to work on. It's by far the best value since it's only $10 and I doesn't run out of its five hour limit in an hour they way Claude Code/Codex do. Models are more than good enough.

At work, I'm using Codex with the subscription they give me, and I don't really have anything to complain about.

I don't bother picking obscure tools and heavily configuring them since almost all of the intelligence is in the model, and models themselves improve so fast that any complicated setup will be obsolete in a few months. All of the useful behavior just gets trained into the models, and all useful functionality gets added into every harness very quickly.

I'm not using any personal agents since I don't see any use case.