What I did do, because my personal projects aren't too complex, is moved the model from Opus to Sonnet which is about 1/5 the cost.
For day-to-day stuff I have ProxyAI (on IntelliJ, continue.dev works for this too) pointed at Mistral's Codestra for auto-complete and to Claude 4 for chat.
Claude Code is just for giving the bot tasks to do without me being deeply involved in the work.
(edit) I just saw that pro is getting a rate-limited option for Claude code for the sonnet model only. I haven't tried it out but will give it a go sometime. https://support.anthropic.com/en/articles/11145838-using-cla...
The core suggestion is to point specifically at the files you want it to read and use as a reference, otherwise it might go read some huge file for no reason. Also the tokens used depend on the size of the project.
Generally, if I'm doing something I can box, I'd use chatgpt and copy it in myself. If I want something matching the style, I'd use a guided Roo Code.