For software development, I am using Kilo Code (https://kilo.ai) extension on VSCodium, with Kilo credits that gives access to hundreds of models at API pricing.
For day-to-day tasks, I am using Goose (https://goose-docs.ai) with OpenRouter.
I use Kilo Code as well (with jetbrains IDEs though). I bring my own API credits.
I am curious why you use Kilo credits? What benefits does that give you over buying the credits directly?
To me it seems like an obvious unnecessary middleman...