I've had more than a few people tell me "oh, it's so much cheaper to use a $20 claude account" or "i've never hit a limit ever using my openai". Inevitably.. I end up reading/hearing "oh, I need to give it another couple hours to start using it again"... I've never hit that with my approach, even if it's costing me a bit more. Being able to work when I want when I have time has some value.
I also have openai and anthropic direct API billing set up for hosted and client projects that need to call out to an LLM service.