I switched to personal plans and drastically cut AI spend. I was constantly hitting org limits and haven’t hit it once on the personal plan.
Now my whole team is doing the same.
A few hundred a month per user instead of thousands is an absolute no brainer.
I claim that if you are a normal person that like me don't have "fuck you money", so unable to spend large sums of money randomly, you should do all your programming work with two max accounts (OpenAI / Anthropic for instance) in the worst case, and never buy tokens via API.