Exactly where I landed, I had a personal subscription last year that shifted between OpenAI and Anthropic depending on who had the better model for that month.
This year? I don't need that, I can do the same as you: budget and pre-pay for some tokens in OpenRouter, and use very cheap models for absolutely anything I need on my personal projects. I can use open source harnesses that give me similar results, my projects do not need the absolute most-expensive frontier model at all, that's just a waste.
And if absolutely needed to use some frontier capability I can pay the tokens for that instead of committing to US$ 200-500 for a subscription that they can just pull the rug from me at any point.
I still have my job where they give me access to all the shiny expensive models with their enterprise agreements about data retention, the legal stuff that a company cares about and my personal projects don't, if I keep my usage under the newly implement monthly budget no one will bother me about it and so I just use what I'm told to.