$20 users don't get access to Fable. It's $100+ tier only.

I'm a $20 user and was given $100 extra usage credit today, "for Fable" (I'll be sticking to Sonnet and sometimes Opus TYVM).

What to do with $20 on Fable? One prompt or two ?

True. However, I believe most non-programmers don't need access to the fanciest model, but just want to use a good LLM without constant nagging about usage limits. Then 19 vs. 20 is true?

No "19 vs 20" is not true for "Kimi vs Fable". It might be true for "Kimi vs Opus" or whatever. Anyways looking at pricing plans is not a good way of comparing the price of LLMs. It makes more sense to look at cost per token:

  Kimi K3: $3/$15 (input/output)
  Fable:  $10/$50

Still no. If you're only getting Opus-class you can still end up paying less by just using an equivalent Chinese model on OpenRouter.

Not talking about me or HN users in general. These companies likely need regular peeps to begin using their services in order to become profitable. Not sure these are the ones who will buy from OpenRouter.