I don't think anyone has directly answered your question, but it might be worth browsing or re-asking there.
I also haven't tried Copilot yet but looking at the free plan announcement it seems like it likely depends on how much you're doing as a hobby coder.
"Now automatically integrated into VS Code, all of you have access to 2,000 code completions and 50 chat messages per month, simply by signing in with your personal GitHub account. Or by creating a new one. And just last week, we passed the mark of 150M developers on GitHub."
