I have currently 375 repos under my user, plus about 20 more under different orgs. What's the exact problem to solve? Just avoiding to pay per user per org?

I even have some crontab's to update all issues via git bug bridge locally, so that I don't need an internet connection to github.com to work on tickets. Clicks are not easily automated, so I avoid them for my workflows. Same for almost daily rebasing. (all feature and bugfix branches are automatically rebased to master, when master moves). This is 90% automatic.

All my repos are public, I pay nothing. I find that better than paying for it and keeping them private.