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If you could only keep one paid subscription

Cursor Pro.

Cursor has the best harness, and Pro subscription gives allotment to all the major models plus their own composer model.

Plan with composer, and execute most stuff... Composer is fast and so cheap it's basically free.... Then sanity check with Grok, execute some harder stuff with Codex, Gemini for copy-edits, then review and polish with GLM 5.2

Can throw in a little Sonnet/Opus/Fable as a last ditch if stuck, but those are very rarely worth the time and credit burn.

Downsides:

It doesn't present a standard API key/endpoint to it's not trivial to plug in to non-Cursor apps like Hermes/Claw or whatever, but, Cursor CLI is more than adequate for most headless automation.

Combine with freebies:

That leaves free tiers of Gemini for day-to-day search. Antigravity free-tier is also good for planning, Antigravity has a better planning interface and Gemini 3.1 Pro is quite good at it.

Runner up:

I do keep my GPT Plus subscription for Codex-Auth as a backstop if I run out of Cursor credits, as well as tinkering with Hermes Agent. Also a nice to have for chatbot-level ideation. Though, I mainly keep it since I've had it since 2023 and have a lot of folders in in it, and at $20 its not worth cancelling vs. the convenience keeping around.