1. Claude $20/month and Cursor $20/month (I've been meaning to close it) I mostly use Opus 5.5 on Medium. I've been experimenting with High effort, mainly at work.

2. I have an OpenRouter $50 pay as you go API key that I use for Mercury 3 at this point, primarily for tokens per second. I also use GLM 5.3 when I inevitably get [cyber] blocked (or for reverse engineering in general, apparently) by the morality police at Anthropic.

3. I run things pretty stock. OpenCode with OpenRouter but otherwise I just use Claude code.

4. I've never used these, but I'm curious about them at this point.

5. Not yet, but also interested. My plan is to use Hermes for some personal agent work on a local model, but I have not set it up to test this yet.