The threat of account bans and a less than friendly appeal system does make me wary of trying it, even though this would be incredibly useful.

A lot of them also don’t get banned, right ? There are vibecoders youtubers switching accounts all the time

So what’s the differenve ?

If it's honestly 'One account is paid for by my employer and used as a tool for my job' and 'One account is for personal use, where I work on passion-projects and the likes' I think it's fine....? Not a lawyer but I'd assume as long as you're not using it to bypass usage limits Anthropic wouldn't even really notice or care.