I have an AGENTS.md file in my vault that provides a bit of context that this is not about coding, but about serving as my Obsidian helper. I ask it to check the .obsidian folder to check my plugins, Tell it how I like to build my presentations and the workflow I follow when writing articles.
Then I just launch codex in the terminal inside the vault, have it do stuff, while I watch the desktop app for change.
Other coding agents like Claude Code should work also, but gpt-5-codex was specifically trained on using the terminal to do everything it and doesn't even have that big of a system prompt related to coding. Works well.
Combine that with a speech-to-text app and codex blazes through to find stuff or do things for me.
You forgot about the Deta Studio and the Horizon desktop app ;)
But on your question -- we're backed by supportive investors, and try to be frugal (we've had our fair share of sardines & rice).