They have recently added "MAX" plans which allow for greater use. They occasionally rate-limit you based on how heavy models are being used. But my experience is that only happens rarely.

Personally I've been investigating moving to a completely open-source model which would be something like: VSCode + Cline or RooCode VS Code Extensions + Requesty service

This would simulate Cursor. Requesty is an API service (like open-router) that gives you access to different models. So in that case you would load $X dollars on Requesty and use VSCode + the extension you want (note: RooCode broke off from Cline but they both share lots of similar features).

In non IDE mode, I really really like Perplexity. Its basically my new search engine. If Perplexity ever releases IDE plugins for VS Code I would strongly consider dumping everything and just using them.

The best benefit of Perplexity is it includes top-notch real time websearch. So its much more useful for day-to-day task.