For me the big reason I use OpenRouter rather than the providers directly is the ability to cap spending. With OpenRouter I can top up by $50, change models on

For me the big reason I use OpenRouter rather than the providers directly is the ability to cap spending. With OpenRouter I can top up by $50, change models on a whim and if some agent loop goes out of control and generates a ton of tokens, the most I can be out is $50, while using the providers directly requires me to manage accounts there and not all support top up based spending.