I just pay for a license myself for both work and personal use [0].
I personally have enough buying power to afford it, and it's more than paid for itself over the years by giving me a leg up over coworkers who try to make do with free tools. People I work with think I have some superhuman ability to navigate, understand, and modify huge codebases and don't believe me when I tell them that it's just because I learned how to use JetBrains IDEs fluently.
[0] This is explicitly allowed: https://sales.jetbrains.com/hc/en-gb/articles/207240855-Can-...