I'm on the Max plan. I think it's $200 now but when I signed up it was only $100 and it never went up so I suppose I'm a lucky early adopter. Having said that, even at $200 I'd say it's completely worth it for myself because I use it quite a lot. If you plan to build lots of things or maybe very large projects I would recommend it. If you're more on the just-getting-started end of the spectrum, the $20/mo plan is perfectly fine, use a cheaper model like Opus 4.8 or 5 (or even Sonnet 5 is probably more than capable at that level). If you code a lot you will run into token limits, I used to hit the limit after an hour or two of work, then you get a message saying like "limit reached. you can continue at 4:35pm" and so you just take a break or you switch to another frontier model for an hour or two.