Anthropic has very tight limits, so you're basically using the worst (pricing-wise) SOTA cloud model as your baseline. I have $200 subs for both Claude and OpenAI, and I also bump into limits with Claude all the time, whether coding or research. With Codex, I ran into the limit once so far, and that's in a month of very heavy (sometimes literally 24 hours around the clock, leaving long-running tasks overnight) use.