I spend around $20 a month through API fees using my own harness, https://slidebits.com/isogen. Nothing too special, I prompt it produces file changes using grep and vector search and I can individually accept which files.

I also work on a consumer AI application https://apps.apple.com/us/app/slidebits-studio/id1138731130

For comparison someone showed me an internal company tool he was working on. He had Claude agents dangerously skipping permissions and firing up github branches through a vm sandbox just to make a single feature change. One agent to code and the other to review.