The problem is that this is $100/mo with limits. At work I use Cursor, which is pretty good (especially tab completion), and at home I use Copilot in vscode insiders build, which is catching up to Cursor IMO. However, as long as Microsoft is offering copilot at (presumably subsidized) $10/mo, I'm not interested in paying 10x as much and still having limits. It would have to be 10x as useful, and I doubt that.
This might mean the $10/month is the best. Depends entirely on how it works for you.
(Caps obviously impact the total benefit so I agree there.)