For OSS model, I have z.ai yearly subscription during the promo. But it's a lot more expensive now. The model is good imo, and just need to find the right providers. There are a lot of alternatives now. Like I saw some good reviews regarding ollama cloud.
But more broadly: openrouter solves the problem of making a broad range of models available with a single payment endpoint, so you can just switch around as much as you like.
I have tasks that used to take ~3-5min with Sonnet 4.6. With OpenRouter Kimi, the same task takes 10+ min. It's also just obviously slower in opencode sessions. The results are good, and I love the lower cost, but the speed can be frustrating.
If you're trying to make a buck while unemployed, sure get a subscription. Otherwise learn how to work again without AI, just focus on the interesting stuff.
Another way to keep the ability to try out new models is to buy a reseller subscription like Cursor’s.
I'm on Max x5 plan and any of the 'good' models like Kimi 2.6, GLM, DeepSeek would have cost 3-5x in per-token billing for what I used on my Claude plan the last three months
So unless my Claude fudged the maths to make itself look better, seems like I'm getting a good deal