If you don't want to necessarily have to pick between one or the other, there are services like this one that let you basically access all the major LLMs and only pay per use: https://nano-gpt.com/
I've used TypingMind and it's pretty great, I like the idea of just plugging in a couple API keys and paying a fraction, but I really wish there was some overlap.
If a random query via the API costs a fifth of a cent why can't I can't 10 free API calls w/ my $20/mo premium subscription?