Token cost really matters here. I want too know what API pricing is. As we see, this model is like 85% as good as the frontier models? What if its priced at $0.2 in / $0.5 out Mtok? All of a sudden, this model is A LOT more appealing to me.
I use Windsurf so I remain in the driver's seat. Using AI coding tools too much feels like brain rot where I can't think sharply anymore. Having auto complete guess my next edit as I'm typing is great because I still retain all the control over the code base. There's never any blocks of code that I can't be bothered to look at, because I wrote everything still.
+1 for Quicken Simplifi. YNAB is more of a methodology, and you pay for the UI. Simplifi is more of tool that lets you look at your money as you see fit.
In the same way that giving a graphing calculator to students wont make them ace math classes, giving a student an English calculator (GPT4) wont make them ace anything with writing. Laziness will always yield poor results.