You're overpaying by a factor of 4, easily. I use `ccusage`'s statusline in claude code, and even with my personal $20/mo subscription I don't think there's been a single month where I didn't touch ~$80 of usage. I wasn't even abusing it as bad as some people tend to.
You can use both btw. Get the $20 plan and turn on "extra usage" in billing. Then you can use the basic plan first and if it runs out, it uses token-based billing for the overflow.