Multiple $20 AI Plans Are Better Than a Single $100 AI Plan

After using the $200 and $100 Anthropic monthly plans for Claude, I have now settled on $20 Anthropic + $20 OpenAI + $10 OpenCode Go monthly plans for coding and design work. I also use local AI occasionally for non-coding-related tasks. By using multiple entry-level AI plans from different providers, I can assign different tasks to different models based on their strengths and also hedge against service disruption by not relying on a single provider.