Well, it works for you.

Without any context for what you're working on, I'd have to assume the reason you don't hit the $20 subscription limit is that you're either not using it very often, or you're working on some relatively basic CRUD app that doesn't require it to think very deeply.

I tear through my $200 subscription because I often have 3-4 agents running simultaneously, exploring performance optimizations, building features, monitoring production rollouts, or investigating production problems/customer issues in parallel.

The downside is that I do spend most of my time reading the agent's output these days.