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There are also several issues at play here:

1. a model that works for one person/task may not work for another;

2. there are many models (DeepSeek, Qwen, GPT, Claude, Gemini, etc.) that are released every 6 months or so;

3. it takes time to use, test, and evaluate the suitability of a new model and not everyone has an automated evaluation process for their use cases.

Thus, if you find a model that works for you then you are not going to spend more time evaluating a model that may not work, or may only do so when time permits.

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I'm pretty happy with claude $20/mo for personal, and $200/mo at work. It does everything I need it to, at a price that I can aaccept. If they raise the price, then I'll start looking around at the other options. I do not like Altman or Musk, and I don't want to get involved with China, so I'd rather avoid those products. But I do know that prices will have to increase at some point, so I'm still hand-coding a few projects to keep my skill level up should LLMs just not be affordable in the future.
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