Most people are in that sub 200usd/month range for heavy coding. Sure you dont get some massive intelligent model, but it will do the job.
At that price, you could justify getting yourself a 96gb rtx pro 6000 and run like gpt 120b on it. Pay itself off in under a year.
We mostly use Claude Sonnet and Gemini 2.5 Pro, with a bit of GPT-5 when I need design work, and Claude Haiku in Home Assistant.
I prefer to use chat instead of agents… I use AI generated code as a starting point, mostly, and chat works better for that.
You’re definitely an outlier. Aside from companies, I don’t know anyone spending that much, to be honest.