Individual AI IDE plans list from $0 to $100 a month in October 2026, and every vendor meters heavy agent use, so the sticker price is a floor.
Laravel Boost writes instruction files for six tools, and its always-loaded CLAUDE.md is 8,931 bytes while five skills add 41,029 bytes that load only when needed.
Pick by where you already work, then spend your effort on project rules; a 15-minute scripted test on your own repository beats any feature list.