Zero Data Retention is the big one I think (and also the ToS don't allow multiple personal accounts for businesses anyways)

They don't have the choice to begin with

I don't think Anthropic or OpenAI offer subscriptions to enterprises - it's a hobbyist/solo-entrepreneur kind of thing. I seem to recall SpaceXAI had some kind of hack going where they were trying to use subs with Anthropic and then got cut off.

Enterprises also need very stringent IP protections that you don't get through the subscriptions. Even the Anthropic-API per token license isn't great - sometimes you need to go to 3rd parties like AWS Bedrock to get guarantees regarding no multi-tenant GPUs.

You can have subscriptions up to 150 seats with Anthropic.

Ah - so I was somewhat, but not totally wrong. They do offer subs to SMB (I did not know this!) - but for the Enterprise (typically in thousands to tens of thousands) directed through other channels.

You are forbidden from the subscriptions on enterprise

Claude Teams exists.

No Zero Data Retention there.

I have only ever paid for tokens and never used subscriptions because I need to know that I can generate sufficient real world value at the true cost of inference.

This seems like setting money on fire. Nothing stops you from tracking token use on your subscriptions and tracking how much you would spend via APIs for if/when you can't use a sub any more, and taking the savings in the meantime.

If the stakes aren't real your behaviour won't change