Will the $$$ determine how accurate and fast the AI you use is....
You've never paid different prices for different broadband speeds?
For 95% of the human race the free version is all you'll ever need. I wouldn't be surprised to see the free version get ads. Why shouldn't they? Do you not think people should get paid for their work?
The paid versions are for business.
If you aren't doing professional or research grade work or processing millions of prompts a day in autogenic agent mode, you won't care.
For $10\mo you get Github Copilot that can use any of the Frontier Models. I've been coding with that for 6 months and I'd say when you learn how to use it right, it is easily the equivalent of hiring a $80k off-shore engineer. For $10\mo.