As it turns out, IMHO, the debate in this thread is about 1 year behind the reality [1]. Personally, I was about a week behind in my reading of the landscape, so didn't realize this is all asked and answered [1].

A number of points that various folks have made in the posts in this thread - free vs paid capabilities, model choices etc. are addressed much more eloquently and coherently in this blog post by Matt Shumer [1]. Discussed here on HN at [2] but like me, many others must have missed it.

[1] https://shumer.dev/something-big-is-happening

[2] https://news.ycombinator.com/item?id=46973011