The biggest 'rug pull' here is that the coding agent company raises there price and kills you're budget for "development."
I think a lot of MBA types would benefit from taking a long look at how they "blew up" IT and switched to IaaS / Cloud and then suddenly found their business model turned upside down when the providers decided to up their 'cut'. It's a double whammy, the subsidized IT costs to gain traction, the loss of IT jobs because of the transition, leading to to fewer and fewer IT employees, then when the switch comes there is a huge cost wall if you try to revert to the 'previous way' of doing it, even if your costs of doing it that way would today would be cheaper than the what the service provider is now charging you.
Spending a bunch of money on GPUs and running them yourself, as well as using tools that are compatible with Ollama/OpenAI type APIs feels like a safe bet.
Though having seen the GPU prices to get enough memory to run anything decent, I feel like the squeeze is already happening there at a hardware level and options like Intel Arc Pro B60 can't come soon enough!