I pay for Google Workspace, so pretty much the Gemini Pro included with that suffices my use case. I can't say it will work for everyone, but I do use it for random tasks - all the way from wood working to building complex software projects, and so far I've rarely hit the limit too.
I guess it's access to Gemini, because that's the plan I'm on and you can access Gemini using gemini.google.com or their phone app (Android/iOS). I couldn't find information on the API, maybe it's on that page, but I couldn't find it from my phone browser. Anyway, I use OpenRouter pretty much, so I have no idea if the API is part of my plan.