I recently got access to the premium version through work and was able to prototype something super legit in a language I don't really code in. It requires a heavy understanding of Linux and I had to rephrase my prompts in a "high level" way. However the result would have taken weeks and I was able to do it in a few days.

That said I would have a hard time justifying paying for it for my personal life because it's really that expensive. I look forward to 10 years from now when the local ML is good enough or free.