What's - roughly - your monthly spend when using ppt models? I only use fixed priced copilot, and my napkin maths says I'd be spending something crazy like $200/mo if I went ppt on the more expensive models.
They have subscriptions too (at least Claude and ChatGPT/Codex; I don't use Gemini much). It's far cheaper to use the subscriptions first and then switch to paying per token beyond that.