5 — Never let one vendor set your ceiling
I'm on Claude Max 20x — $200 a month. Some days I burn the weekly cap in about thirty minutes. I moved my daily driver over to ChatGPT Plus and haven't hit a wall yet. This isn't an "OpenAI wins" story. It's a "never let one vendor set your ceiling" story.
Don't let any single vendor's rate-limit policy define your actual capacity. There's tools out there for this e.g. Hydra, that do automatic failover between e.g. Claude Code, OpenCode, Codex, and Pi the moment one of them hits a limit — the workload keeps moving, it stops caring which provider is doing the work at any given moment.
The workload doesn't know or care which provider ran it.
This kind of portability is more possible today than it was a year ago, since Agent Skills became an open standard in December 2025.
This won't give us as much savings as proper prompt compression, regular scripting, or even just having a local model but is a rather good mechanism for workflows that must complete. I treat this more like a failure mode (vendor outage), which I am planning to write more about soon.
In practice, what changed for me was reducing the kind of work I gave Claude and migrating more use cases over to ChatGPT.
Be skeptical of anyone selling you "multi-provider" as a product. You want to control your flexibility.