My usage is in the $60 tier, but that doesn't exist so I have to cough up $100. And then get all shaky if I don't use up my weekly quota.

Do you mostly just hit the session limits? If so I know it's not ideal but you could wait an hour or two for that to reset. Not sure if that would work for you but just a suggestion

I get to 80% when on a single session and cap out a hour off the rest if I’m working on two.

But I like to have that forced hour to stop, it’s moment to take a breath.

It depends on the kind of work though, some things are more token intensive.