But these products are all drop in replacements for each other. I've recently favored Codex more than CC, just because rate limits got mildly annoying. I really didn't have to change anything about my workflow in doing that.
For now. That doesn't really change the risk, that just means they are all hyper competitive right this moment, and so they are comparable. If one of them becomes king of the hill, nothing stops them from silently degrading or jacking prices.
The only shield is to not be dependent in the first place. That means keeping your skills sharp and being willing to pass on your knowledge to juniors, so they aren't dependent on these things.
Of course, many people are building their business on huge AI scaffolding. There's nothing they can do.
It's similar in the way many businesses transitioned their scalability etc. to 'the cloud' starting a couple of decades ago.
It's a combination of loss of control and abdication of responsibility. They can claim to the customer the reason the service went down is now Microsofts or Amazons etc. etc. fault. Ultimately the end-user was the one that ended up losing.
It was a choice. There was something they could do - and keep everything in house, although cost-competiveness becomes an issue at some point and you get priced out of your target market. Everyone loses except for the cloud computing (or now AI) providers.