Ask HN: How Do I AI?

Hello HN,

As of now, I spend $20 (OpenAI) and $20 (Anthropic) for the paid tiers of their AI.

I know there are many other apps that allow you to use API subscriptions from various AI-vendors. But simply put, I’m having hard times figuring out which ones are scam and which ones are decent.

Can you recommend any? Is the use of API directly cheaper than $40/mo for a single user? I use AI daily but not too heavily. I never hit their (paid) service limits.