Ask HN: Recommendations on which models to pay how much for?

Small team of 3. Each of us doing different things for the last few months (e.g. ~$20..$40 for ZedPro, another guy $20/mo for GPT, etc).

Would like to move something we could all share and willing to burn through a little more money, but not wanting to break any banks. API or subscription? Just curious what others have found as they've wandered the chaos that is paying for this stuff.