Stay free / BYOK / local
Fit: Trials, occasional work, local/open-source harnesses, or when you already bring inference.
Bill ceiling: Tool UI can be $0; model/API or local compute may sit outside the subscription.
Failure mode: “Free” shifts cost or capability limits instead of guaranteeing agent headroom.
Bundled subscription seat
Fit: Recurring agentic work where a quota, rolling window, or included pool is acceptable.
Bill ceiling: Plan price covers included use; optional Claude or ChatGPT credits and Cursor overage can continue billing only when enabled.
Failure mode: Work pauses at a remaining limit, or moves onto an explicitly enabled credit/overage meter.
Direct API / BYOK billing
Fit: Spiky workloads, exact token-rate visibility, custom harnesses, or after a seat limit is exhausted.
Bill ceiling: Explicit token/API/credit spend, not an included-seat pool; bill scales with provider token or credit rates.
Failure mode: Every token or credit is spend; runaway agents can keep consuming unless externally capped.