Private usage, other subscription models

So I’m an enthusiastic private user. I am a $20 Plus subscriber.
But the usage limit is annoying. When developing a GPT with Actions parsing and testing json schemes the credit is too low.
I don’t have a company. I don’t want to use my company email name and address for a private subscription. I don’t need SSL or other Enterprise features.
If the $20 Plus is a bronze service, are there any plans for silver and gold type of subscriptions for advanced or premium usage?
Or should I subscribe to a “private” Enterprise license?