> Let's say I use the $200/month Claude (I don't, I use a cheaper plan, but stay with me). If I switch to a Opus 4.5 equivalent local LLM, and it makes even a single production issue that 5.5 wouldn't, that mistake will cost thousands of dollars.

What are you talking about, you're fully dependent on an LLM (Opus or whatever) not making a mistake or else you lose thousands of dollars, in production? How is that okayed?