1. I'm personally paying for Chatgpt Plus, single account. I mostly use it for personal stuff, and occasional coding - one-off scripts I do from the chat interface, and I used Codex for a more complex project.

2. I sometimes have questions I don't want to associate with my main account, I use duck.ai or chatgpt.com in a private tab. I also dabbled with self-hosting, but it's mostly curiosity, testing abliterated models, testing linux-amd integration etc.

3. Sticking to the defaults. My dayjob pays for Copilot, which means a Copilot plugin in IntelliJ

4. I haven't even looked into agent orchestration and swarms.

5. Not using agent platforms either.