I haven't used Claude Code a lot, but I was using about $2-$5/hour, but it varied a lot. If I used it 6 hours/day and worked a normal 21 workday month (126 hours), then I would rack up $250-$630/month in API costs. I think I could be a more efficient with practice (maybe $1-$3/hour?). If you think you are seriously going to use it, then the $100/month or $200/month subscriptions could definitely be worth it as long as you aren't getting rate limited.

If you aren't sure whether to pull the trigger on a subscription, I would put $5-$10 into an API console account and use CC with an API key.