For smaller companies they can get Claude team plan for $20/month/seat and the plans give a lot of usage. We rarely hit limits. Codex plans used to have more usage and those were the go-to. Before that, GitHub Copilot CLI was the service with insane usage limits for $10-$20/month.
So it's about staying nimble enough so you can easily switch over. Don't tie yourself down to a single product/harness.