I started paying $100/month a few years ago to now ~$5k a year out of pocket for personal use to learn and grow in my position at work.

It's through my startup, so both I guess. Generally I find my bottleneck to be attention and focus, and the opportunity cost of not going back to work at my prior employers absolutely dwarfs the amount of money I spend on tools, so it's not hard for me to justify spending $200/mo on something I use every day that makes me more productive and generally removes bullshit from my life.

At my prior job there was still what felt like a strong enough correlation between my actual performance and my pay that I don't think I would have had a hard time justifying the expense there either; now I absolutely don't. With the current state of the models, it's baffling to me to hear about professional software developers planning their work around their $20/mo subscription's quotas.

Obviously it's more complicated than more tokens = more productive, but I see them less like SaaS and more like gasoline, where if I run out or need more to do what I'm doing, as long as I'm not being wasteful, I just buy more. Why would I waste a day walking 30 miles by foot when I can just pay $5 for gasoline and drive?

I do that for personal use too (although $2.4k/yr for me because I only have an Claude Max subscription). Outside of my hobby projects Opus also manages my personal accounting, researches and organizes info (travel plan, what to buy and where to buy, etc), helps me reply to emails when I'm working in the kitchen, etc. I consider it well worth the price. Tbh I'm willing to pay more than what I currently do, but competition is good for the consumers.