what kind of workflow are you using the requires that many tokens? I rarely hit my limit with the $100 a month plan and I use fable pretty frequently although it usually acts as an orchestrator while the actual work is done by lesser models usually.
I tend to work in 5-10 or so parallel streams at a time so that also multiplies token use as a function of time. Much less and I'm waiting for it too much, much more and I can't juggle effectively. My new big project is of course to try to take myself out of the equation further and increase the parallel streams dramatically; pretty hard to get that right so still manual for now.