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I'm planning on switching from the $20/month to the $100/month plan.

It's worth it, and I can afford it, but I am not really the right type of user for token-based usage. It's all for personal and free work.

Just a personal anecdote but I have not hit any more thresholds or limits since switching to the MAX plan and so far, it's been worth it. But I do wonder how long even this will last...
I think subscription models are sustainable, but longer term, we should probably expect to see more prompt optimization happening in the providers inference pipeline. For example, unless you explicitly tell the agent or API to use a specific model, fronting the inference layer with a caching prompt classifier to determine which model to use, and automatically select the lowest cost model would probably already save alot of money (IDK if Claude/OpenAI do this on the backend, but several services I have worked on do some things like this to reduce costs of delivery customer facing inference at scale).
> fronting the inference layer with a caching prompt classifier to determine which model to use, and automatically select the lowest cost model would probably already save alot of money

Unfortunately, that doesn't work within a single session. The K-V cache of a model is intertwined with the model's configuration. Switching models invalidates the cache, meaning everything up to the point of the switchover is processed like a new, uncached input token.

Per Anthropic's pricing doc, an Opus 4.8 cache hit costs 50¢/MTok, while Haiku costs $1/MTok for uncached input.

Model selection works best if sessions are short and self-contained, particularly if the first few interactions can reliably classify the model need. That probably covers most 'support chatbot' use-cases, but it doesn't describe the kinds of heavy agentic automation that really chews through token budgets.

There is a definite financial incentive for people smarter than me to solve the problem, and I don't generally bet against businesses finding ways to reduce costs :)
> The K-V cache of a model is intertwined with the model's configuration.

I don't think this is true if you simply quantize the model or run it with fewer active experts? The underlying weights would stay the same. You could also play further tricks with skipping some of the model's middle layers outright, which works surprisingly well due to how skip connections are used.

ChatGPT does this and codex will eventually. They’ve stated it’s the future.
I have the $100 plan and had almost never run out of credits until I started using the ultracode / workstreams feature w/Opus 4.8..at which point I managed to blow the full 6 hour allocation in like 20 minutes, or so. In fairness, it did some amazing things with the extracted information, but it also strongly suggested that I'd need the $200 subscription *plus* a budget for extra usage.
Instead pay for 3 Chinese models. No max out ever then. I pay for kimi, DeepSeek and Claude. Whenever Claude decides it's over, I can safely continue on very cheap plans.