For me it's simple. I did my research, settled on Anthropic and Claude and got the Pro plan at ~$20/month. That way I only have to keep track of what Anthropic are offering, and that isn't even necessary as the tools I use for AI-supported development (Claude Code for VS Code extension, Xcode Intelligence and Claude Desktop) offer me to use the newsest models as soon as they are released.

Unless you're interested in this type of stuff, I'm not sure you really need to. Claude, Google, and ChatGPT have been fairly aggressive at pushing you towards whatever their latest shiny is and retiring the old one.

Only time it matters if you're using some type of agnostic "router" service.

on a subscription you cant access all that many different options, so you just stay with whatever the newest is unless it doesnt work.