Alternate title: Which AI subscription are you paying for right now, and why?

Currently I'm not really paying for any AI subscription. I'm largely reliant on the company's Claude offering but I'd like to separate my personal stuff from work. I've checked out the following ~20$/month plans and have some thoughts:

* Claude seems to be the most capable, but the app was pretty terrible when I tried it a couple of months ago, I rant into frequent rate limits, crashes, etc. It was just not that reliable overall.

* ChatGPT has the best app overall (project folders + end to end experience was super nice), but I'm not sure about the ads and if the company's going to be around after a while...

* Gemini is OK. The app is pretty bad again, no support for folders/projects + I'm trying to de-Google my life a bit so I'm not sure if I should go all in with this...

My usecase(s): I would like to build smaller applications/scripts on the side to fix annoyances in my life and automate things every now and then. Every now and then there might be a hobby project. I also intend to use LLMs for slightly more involved rubber-ducking to work on ideas that span across programming, music (production, performance, learning), and literary fiction.