I personally know someone who has specifically designed bots to defeat both, and also the ones that defeat the "drag the puzzle piece" and similar "bot-defeating" technologies!
surely the best option nowadays is to make your own or find an obscure one, and hope it's unusual enough that ready-made software doesn't exist that can easily solve it. then if and when it gets cracked to the degree it's impacting your content, move onto another one
putting in a credit card?
I'm wondering if paid services have problems with bots, or if they mind, since they are being paid.
Can also just use old empty VISA gift cards, ethically sourced from relatives and friends of course.