$20 a month is incredibly expensive? If it saves 15 minutes over a month, it pays for itself (assuming your work is ~$100/hr). If it can provide any positive value, it is going to be worth more the $5 a month.
If you need to constantly use chatgpt/copilot to do your job properly, maybe its time to learn something else because your job will be automated sooner or later, what will be more cheaper a 100/hr or the 20/month service.
I find it hard to believe there is a scenario where it actually helps you, but only provides $5 of value in a month.
What exact kind help is that? If it is able to provide $5 in help, you could likely scale that to $20.
Maybe if you are website designer... ohh m sorry i should say the modern way website designers call themselves today "frontend engineer", maybe if you are a designer it could help you with all the boilerplate your react/astro/svelte requires just to add a <table> with two columns.