I think in many cases the token bloat comes from using a fleet of autonomous agents that "collaborate" over a problem. Using one coherent agent loop with a human involved might not feel as futuristic but it's more effective and efficient (right now).
We have two wildly different cohorts of people. Those who see these tools as a technological curiosity and those who see them as a means to a specific end. I know that if I finish a task with a certain set of constraints that I will get paid a certain amount of money. I'd much rather be HITL on one very good agent loop if there is real money on the table. If you are mostly having fun, being curious, or exploring (which is fine!) then the cost of subscriptions might feel safer. Running an IRL version of factorio can get very expensive.
I also think the API tokens perform better but I have zero evidence other than observing the quality of my work product relative to that of my peers. I have almost a religious fervor about using prepaid tokens now. I am still using GPT5.5 in my copilot with custom model configuration for most heavy lifting in visual studio. It is more than sufficient. My average monthly token cost is <$100. Paying for a subscription would be more expensive because I have a predictable and controllable amount of demand.
This is analogous to variable vs fixed rate electricity. Paying the real time wholesale price is a massive economic advantage if you can figure out how to control the demand side of the house.
Just not finding this to hold true. The difference in work quality for peers isn’t a matter of how many threads they run, but how much attention they give each. Which is a skill.
> I know that if I finish a task with a certain set of constraints that I will get paid a certain amount of money.
So not salary… ok. That explains some of it. Getting paid by the task might flavor one’s approach. But also one could reason, more tasks, more pay… somewhat confusing.
> I also think the API tokens perform better but I have zero evidence other than observing the quality of my work product relative to that of my peers. I have almost a religious fervor about using prepaid tokens now
And this appears to be the other half. It looks no less futuristic than the more wireheaded approach, just different in form.
> This is analogous to variable vs fixed rate electricity. Paying the real time wholesale price is a massive economic advantage if you can figure out how to control the demand side of the house.
Wholesale electricity is almost always cheaper.
Sorry, I have to be that guy... https://xkcd.com/386/
I often read opinions where people say their particular method of more hands-on working with AI is the most efficient and reasonable way.
From 500 hours working on my mobile app project outside of work, I can confidently say that using anywhere between 2 to 10 conversations to parallelize work is much more effective in my project.
The models being served in the API are the same as via the subscription, there are no shenanigans here, particularly not concerning quality.
And GPT 5.5 was great at the time, I made heavy use of it for my project, but it's long outdated and already being retired.
You also mentioned using it in copilot, which is a third-rate harness that is frustratingly buggy and inefficient.
There's no comparison to Opus 5.5 in Claude Code.
Use whatever works for you, but frankly, I think you should try something new.