For my money (my actual money!) o3 is still the best model I’ve used. That is included in the $20 a month plan.
The only "limit" I have really with o3 is my patience -- it's a slow model for regular use. If I don't need its intelligence I'll use o4-mini or even 4o for speed, saving o3 for the prompts that really need it.
These days the only model I find I get rate-limited on frustratingly quickly is 4.5. It's clear OpenAI does not really want you using that one, despite the fact that's very good (and probably very expensive for them)! Pretty underrated imo.
I think you're overestimating what people use llms for. The only thing they're democratising is themselves
This is a weird conversation. At first you were concerned about prices and now you’re railing about the US Navy not using Chinese models. What’s your problem here?