A paid plan buys three things: a higher limit, access to the stronger models, and extra tools such as research or coding agents. If you never reach the limit of the free version, the first one is worth nothing to you, and the question becomes whether you need the other two.
A simple test: use the free version for two normal weeks and count how many times it stopped you. Zero or one means stay free. A few times a week means a $20 plan. Stopped on the $20 plan most days means the $100 step, and only then.
What the quiz does not ask
It does not ask which tools your workplace already pays for, which language you write in, or whether you care about a specific feature. Those can outweigh everything in the table. Treat the result as a short list to check against the plan pages, not as a verdict.
Why there is no score
A score hides its reasoning. A row in a table can be read, disputed and corrected. When a provider changes a price or a limit, the row changes and the change is visible in the project history.