I was really having a hard time deciding between the Ollama and OpenCode plans for personal use, I couldn't really understand how much usage I would get with the Ollama plan, so in the end I went with OpenCode and I have never hit the limits despite using it most evenings and weekends for several hours.
What models do you use in open code? I too have unlimited opus at work and I tried using my same workflow from work using Kimi 2.6 in open code and... It's just not it, even for relatively simple stuff.
So I use Deepseek Pro on the $20 Ollama Cloud plan and it’s really not that far behind and I never triggered the plan’s limits.
It’s like 10-15% less powerful but costs 10 times less.
Totally worth it. I prefer Opus because my employer pays for it but I would personally never pay 10 times more for it.