Comment by hamdingers
3 days ago
And as a hobbyist the time to sign up for the $20/month plan is after you've spent $20 on tokens at least a couple times.
YMMV based on the kinds of side projects you do, but it's definitely been cheaper for me in the long run to pay by token, and the flexibility it offers is great.
I spent $240 in one week through the API and realized the $20/month was a no-brainer.