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is Opus that much better than Sonnet? My sub is $20 a month, so I guess I'd have to buy that I'm going to get a 10x boost, which seems dubious

With the $20 plan you get Opus on the web and in the native app. Just not in Claude Code.

IMO it's pretty good for design, but with code it gets in its head a bit too much and overthinks and overcomplicates solutions.

Yes, Opus is much better at complicated architecture

It does seem better in many regards, but the usage limits get hit quickly even with a paid account.