And as a hobbyist the time to sign up for the $20/month plan is after you've spent $20 on tokens at least a couple times. YMMV based on the kinds of side proje

And as a hobbyist the time to sign up for the $20/month plan is after you've spent $20 on tokens at least a couple times. YMMV based on the kinds of side projects you do, but it's definitely been cheaper for me in the long run to pay by token, and the flexibility it offers is great.