I don't use Claude Code either in fairness, but when I buy tokens from them that's an exposure I already have. These days I use opencode and I work local first with the models, then remote models as fallback. GPT and Gemini have been giving me better results than Opus for a while.
Would you install someone else's binary blob to give it those much permissions and your API keys? The measures required to run that somewhat trustless complicate things a lot.