1) 3x Claude Ultra subscriptions and $20 tiers of Codex/Cursor/Gemini, the latter three mostly for multi-provider testing and Google's bundled cloud storage. I basically only use Opus xhigh, but never touch Ultracode.

2) No. The subscriptions are too much value compared to API. If i were to start using any model on API, the first one I'd consider would probably be Inception Mercury 3, for the 1000t/s speed.

3) I use my own custom kanban agent management tool named Kotkit, which I have been developing since March. It has a built-in multi window desktop which I can use from my phone as a PWA.

4) I am currently building orchestration/swarm capabilities into my tool. Currently adding multi-agent deep research and code review workflows orchestrated by my tool, so that they are cross-provider and my agents can trigger these on demand, as well as experimenting having one agent complete an epic ticket on the kanban board by orchestrating task agents (this is all wired up so AskUserQuestion and ExitPlanMode, etc. on the task agents are answered by the main agent, and if the main agent is unsure, it delegates to me). Currently doing it on a >20-task code migration epic with a lot of success.

5) No. AI is not yet good enough at long-term planning for these to be useful for real work. You have to build step-by-step up to it. These agent platforms are good for simple personal tasks, but to use them for actual work would be skipping a lot of steps.