Of course if you are really poor, then you have to take expensive shortcuts, but for most people that shouldn’t be the case. Learning to do more with less money isn’t as bad as many people think. It’s also good for the brain to be a bit more creative.
We are wading into philosophy here, but I believe this analogy doesn't track in this case -- my suspicion from this blog post and others is that already today, the Pro level thinking models are a positive multiplier to your research output similar to how the models one level lower are a multiplier to one's programming output.
Maybe one can someday use the cheaper models similar to how you can use cheaper models than Opus/5.5 and still be nearly as productive as a programmer -- but I am trying and failing doing exactly that for research questions.