BYOK vs. fixed subscription like GitHub Copilot, codex or Claude

has anyone does the comparison between

paying a fix subscription(pro max) vs BYOK

for a hobby project and exploration

I'm curious how much does it cost in comparison. I haven't explore these agentic workflow as much, besides checking your email

what kind of benefits it brings?

I did some actual calculation but im curious to see who is doing this at the moment? for OpenAI stack for a hobby/experimental is at 60-100$ split between Luna and Sol