Before we begin...
Sources
There are lots of places to get what you need to set up a proxy. Right now, I'm using OpenRouter, but Chutes is another well known option. Once my credits run out, I'm going to go directly to the source which is something I know a lot of people also do and I've heard its usually the cheaper option when paying. Where you find any of these elements might change, but the pieces themselves (API key, model name, etc.) will always be the same.
Paid models
I know that money is tight right now! I wanted to give OpenRouter's option for more free messages a try, so I added $15 USD worth of credits to my account in July. About when Gemini started cracking down on NSFW and Deepseek started to de-prioritize free models, I decided to try the paid version of Deepseek V3.1 and I've been using it since about August. Now, as of November 1st, I still have $13.56 left. Of course some models/providers are going to be more or less expensive but to give some context, I made 349 requests in all of October and spent a grand total of $0.54. Keep in mind, my RP is very token heavy.
Pros & Cons
Obviously, the biggest con of using a paid model is having to pay. However, it does have a lot of benefits. It's generally faster because you aren't competing with thousands of requests and there's far less down time. I've never had a request error since moving to a paid model. I, personally, feel like the paid version of Deepseek V3.1 is a little higher quality than the free version, but that could just be me trying to convince myself that it's worth spending money on!
There's a section at the bottom of this page with the models I've tried and the strengths and weaknesses I noticed to help you decide which one is right for you. Please remember that these are my opinions and your experience might be different, but if you're completely new at this, it might help you figure out which one you want to try first.