I get openai team plan at work.

Claude enterprise too.

I have openrouter for myself.

I use minimax 2.7. Kimi 2.6. And gpt 5.5 and opus 4.7. I can toggle between them in an open source interface that's how I stay able to not be trapped.

Minimax is so cheap and for personal stuff it works fine. So I'm always toggling between the nre releases