2) Using both OpenAI and OpenRouter pay-as-you-go APIs to support some apps, not as part of dev flow, as part of prod features

3) VS Code with Codex and Claude extensions (defaults) but will also say 100% of my VS Code use stays on a Macbook Neo that is decidedly not my main machine

4) No

5) No. Thinking I probably will use Dots/Muse at tax time