1) Neither. 2) Yes, I use pay as you go from OpenAI and Anthropic. 3) OpenCode 4) No 5) No

I use OpenCode to update my Home Assistant automations. Home Assistant also does two lightweight checks a day using gpt-5-luna (Look at this photo is the pool cover on or off?). I also use OpenCode for a few other small basic tasks.

This is me personally. At work I have a ChatGPT sub an a, seemingly limitless (I don't use it much tho) OpenAI API key.