I work at a similar rate to you and on 2 production projects and a number of prototypes daily. I don't pay anything outside the base subscription.

I don't find significant value in Claude Opus. It is slightly better at one-shotting, but not that much better to justify the cost. I've switched to Cursor "auto" mode - I don't pay anything on top of the base subscription cost, I am more diligent with my prompts and use Plan mode a lot and am just as productive if not more.