1. $20 tier for Anthropic, OpenAI, and Google.

2. Use OpenRouter for some agentic work and for using GLM 5.3 for some security reviews.

3. Mostly the model harnesses (desktop apps for business and personal tasks and cli harnesses for coding). Use pi with openrouter.

4. My thesis is that one-time work (creative, coding, etc.) is different than on-going repetitive work--the work of the back office. I've built a platform for the latter specifically around centralizing agents while decentralizing orchestration. (https://sleeperservice.io/)

5. Waiting on a Duet invitation. But Dots is interesting to me. Use Gemini with Gmail to some extent.