For anyone on the fence, I was a hardcore CC user since it was released. I made the full switch to 5.6 sol and Codex about a month ago. It's the better experience. The limits are way higher (I almost never burn through my $200/m plan), and the output is better than Opus 4.8 (Opus 5 is completely unusable for me).
If you aren't using the full $200, you are losing money every month
It's clearly not right if you compare it to API prices. It's even less right if you compare to a SWE salary.
Yes not using the full $200 means you aren't tokenmaxxing, but that seems about the most you can conclude from it.