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Just create two $20 plans and swap between them when you hit limits.

How do you switch between then easily? Aka not logging out and in each time.

I made it and been using it every day

Is it easy to get CVP on two accounts at once? Do they make any attempt to prevent or penalize multi-account usage?

Why would they? You are a paying customer for both accounts.

I'm fairly sure maxing out the usage on a subscription costs them money.