I exclusively pay for API tokens. This is the primary way I consume these models.

The flat monthly subscriptions seem too tempting for the providers to screw with. I prefer to paygo and to be responsible with my consumption. I also want the ability to scale substantially beyond what a typical consumer plan may offer on occasion.

My monthly usage ranges from $10-$1000. I don't have to worry about quotas or anything. If I need to use several thousand dollars worth of tokens, I can just pull out the Amex and everything works. It's constant performance all day every day. I have long since maxed out my org level with OAI, so it would be very difficult to exceed any realistic limits.