Tried just about everything over the last couple of years. Settled on the unified Cursor, Grok, Grok Bot plan for about $200 / month. Doing everything within herdr for programming and Grok Bot for all non-programming related AI life stuff.

It's a solid groove. Grok Bot helped me get so much stuff off of my plate.

I pay for Claude Pro ($20/mo)—using Claude Code with Opus 5.5, and Google AI Premium ($20/mo) for Gemini Pro with Gemini 4.

When I write code with one, I use the other for peer review.

1) Claude code (Max) at work. Claude code (Pro) personal account for side projects. I do still have a ChatGPT subscription. I'm tempted to cancel it, but I like their app. Gemini is bundled somehow into my google subscriptions. I use it occasionally, but I'd be just as happy to not be paying for it.

2) I do use Openrouter for side projects that need an embedded AI. For example, on Halloween I made a talking pumpkin to greet trick or treaters as they came to the porch.

3) Mostly code. I've tried muse, grok, gemini, codex, and pi w/ openrouter, but I always come back to code.

4) no

5) I have a grok bot account I use to manage personal stuff. It organizes my email and calendar, keeps me up-to-date on news, does health tracking, trip planning, and shopping research. As an example, there's a website where I order lunch for my kids. I like to know each morning if I need to pack their lunch, so I have grok bot log into the website and sync it to my calendar. I then get a notification in the morning with everything I need to start the day, like whether to pack lunches, what the weather will be, or if I need to help my kids study for a test.

I currently use a custom harness forked out of codex that has a lot of token optimizations and bug fixes. It connects to agentcron.ai mcp for kanban boards.

Herdr, Pi, OpenRouter. I haven't found that I've needed much more than this for quite some time now.

1) the cheapest Claude sub, $20usd I think.

2) pretty much just opus

3) claude code - but with Orca + app (being able to dev remotely via the app has been great for personal projects)

Work has me stuck with Cursor, which I don't find as good, even when using claude models.

Work: we rent our own GPU and have our own model(Q3.8-FN), so... free tokens :D We use OpenCode as a harness

Personal: OpenCode with my Deepseek API account.

Usually I do everything inside Herdr

Work: Enterprise OpenAI and Anthropic

Personal: $20/mo subscription to Anthropic and OpenAI. Default app "harness"

I'm playing around with some ideas on top of pi durable. Cascading contexts exposed over http. Mostly deepseek, glm and kimi in there. https://github.com/resolveworks/key

$100 ChatGPT sub $100 Claude sub

Most coding via Opus 5.5.

Codex for text and some non-coding tasks.

Separate virtual desktop and clone on dev drive with VScode for each task (much prefer its diff tool and use it to launch builds etc).

I never come close to running out of tokens because I still do code reviews often enough to throttle usage.