> The time to cough up $100 or $200/month is when you've exhausted your $20/month quota and you are frustrated at getting cut off. At that point you should be able to make a responsible decision by yourself.
These are the same people, by and large. What I have seen is users who purely vibe code everything and run into the limits of the $20/m models and pay up for the more expensive ones. Essentially they're trading learning coding (and time, in some cases, it's not always faster to vibe code than do it yourself) for money.