I always assumed changes to altitude rather than plane for servicing orbits. Not an expert in this. I guess it depends on where high value orbits would be concentrated and space is big unfortunately.

Anyways, it'll be interesting to see where this all develops. Starship is clearly going to do in orbit refueling for their moon and other missions so there are clear situations where the delta-v for in orbit isn't too bad - match the plane on launch etc.