I bought $20 of pay as you go API credits to test out the models and how to use them.
I have not tried the $100/month subscription. If it's net cheaper than buying credits I would consider it, since that's basically 10 features per month.
Gotcha. I am in the same boat with pay as you go credits and evaluating what it can do. There are limits with the max subscription but I'm not sure exactly how to measure it against the pay as you go tokens. So for now I just use tokens sparingly.
I've tinkered with the pay as you go, but wonder if a higher cap on max for 100/month would be worth it?