I feel like I’d need to not have a job or a life if I wanted to exhaust the OpenAI $100 plan using GPT 5.5 xhigh, and I’ve found it insanely capable.
That said, while I don’t read the code much (if at all), I do discuss each milestone up front to make a plan, and use/dogfood the results to direct any follow-ups and refinements, which puts a natural cap on the ratio of LLM contributions to my input for these side projects. I believe these human parts are still necessary not to eventually end up with a mess.