If this helps, I rolled back to version 2.1.34. Here is the ~/.claude/settings.json blurb I added:

  "effortLevel": "high",
  "autoUpdatesChannel": "stable",
  "minimumVersion": "2.1.34",
  "env": {
      "DISABLE_AUTOUPDATER": 1,
      "CLAUDE_CODE_DISABLE_ADAPTIVE_THINKING": 1
  }

I also had to:

1. Nuke all other versions within /.local/share/claude/versions/ except 2.1.34. 2. Link ~/.local/bin/claude to claude -> ~/.local/share/claude/versions/2.1.34

This seems to have fixed my running out of quota issues quickly problems. I have periods of intense use (nights, weekends) and no use (day job). Before these changes, I was running out of quota rather quickly. I am on the same 100$ plan.

I am not sure adaptive thinking setting is relevant for this version but in the future that will help once they fix all the quota & cache issues. Seriously thinking about switching to Codex though. Gemini is far behind from what I have tried so far.