I've spent a fair amount of time contracting -- this issue is even more relevant here. While I wasn't spending very much on AI tools, what I did spent was worth every penny... for the company I was supporting :).

Fortunately, there was enough work to be done so productivity increases didn't decrease my billable hours. Even if it did, I still would have done it. If it helps me help others, then it's good for my reputation. Thats hard to put a price on, but absolutely worth what I paid in this case.