I mostly use shell-gpt and ask it trivial questions. Saves me the time for switching to a browser. I have it always running in a tmux pane. As for code, I found it helpful for getting started when writing a functionality, but the actual engineering part should be done manually imo. As for spending money on it, depends on how you benifit from it. I spend about 50c on my openai API key, but I know a friend who used ollama (I think with some mistral derivative) locally on a gaming laptop with decent enough results.
I mostly use shell-gpt and ask it trivial questions. Saves me the time for switching to a browser. I have it always running in a tmux pane. As for code, I found it helpful for getting started when writing a functionality, but the actual engineering part should be done manually imo. As for spending money on it, depends on how you benifit from it. I spend about 50c on my openai API key, but I know a friend who used ollama (I think with some mistral derivative) locally on a gaming laptop with decent enough results.