You should not get dependent on one black box. Companies will exploit that dependency.
My version of this is having CC Pro, Cursor Pro, and OpenCode (with $10 to Codex/GLM 5.1) --> total $50. My work doesn't stop if one of these is having overloaded servers, etc. And it's definitely useful to have them cross-checking each other's plans and work.
Claude Code as "author" and a $20 Codex as reviewer/planner/tester has worked for me to squeeze better value out of the CC plan. But with the new $100 codex plan, and with the way Anthropic seemed to nerf their own $100 plan, I'm not doing this anymore.