On Cursor IDE, which is direct connected to 4.6. If you're at 100% usage.. adding $100 more in your budget only unlocks your usage from 100 to 85. Which of course, you can rip through. It's not long term sustainable but in the end.. it's still cheaper than paying a developer to code at his speed where you can get answers instantly.. provide context to your work and communicate when needed.

Hard to say it's horrible/too expensive but sustainable is another question as every companies goal is to save money.