My usage pattern is "one or two evenings a week I'll sit down late at night and do something heavy". I have a life, y'know?

Their 5 hour limit works better with a "constant background trickle" usage pattern. I don't think the $20 account is a good fit for hobbyists-who-have-day-jobs (which is where I think it should be targeted). They should have an offering that meets "binge" needs.

With the way things are, they actively drive you to get another $20 subscription at a competing service, since that's the only official way you can spend $40 on AI without going the full $100.