I think you severely underestimate how much tokens people use today. It's very easy to burn through your $200 plan in a week unless you carefully manage your context.
I have max, I kept hitting usage limits. I have 4 projects that I will code in parallel, so while one agent is working, I spin up other agents to complete things. Most of my effort now is designing agile roadmaps with specifications, epics, sprints and implementation cards (using AI to create it, then reviewing it), so the Agents have a massive, detailed roadmap. I review code but I also built a framework where much of the code is generated by templates not the model itself so the review is mostly cursory.