With the $200 Claude subscription I was able to get around $13-15k of API equivalent usage in one month (note: this was during the "+50% usage" promotion that they have kept extending since May). When you hit your usage limit for a given time period you get cut off until the time period resets; don't bother paying for additional usage credits, you will be disappointed.
My average API equivalent use is around $30-40/hr. I would just bite the bullet on a plan for one month, then use that to calibrate your expectations around usage and cost optimization. The plans are heavily subsidized.