i just use aider + gemini pro, here's the project i developed:
https://aretecodex.pages.dev/tools/
I also use claude or codex but i do not find them much useful for what i do.
For me it was (1) lack of MCP (2) excessive hand-holding required (3) availability of the Max plan meant I wouldn't have to monitor cost.
Claude Code's skill curve felt slightly longer than aider's, and had a higher ceiling.
I think if I were more cost-sensitive, I would give Aider another whirl, or Gemini CLI (based on what I've heard, I haven't used it yet).
If you ask it to plan something or suggest something. It'll write the suggestion and dive right into implementation with zero hesitation.