For one-off Chat, I have been using ChatGPT since the last release. ($20 a month)
Nothing beats Claude Code for completing guided tasks (think vibe coding or prompt driven development). ($20 a month + I pay ~$20 in AI credits a month but I run TONS of side projects through it). I got a discount for pre-paying for a year so it's less than $20 a month.
I get about 10M to 11M free OpenAI API credits (per day) which I use for mostly non-client code and research.