What is the best and most balanced effort to code with Fable 5 on the $100 plan?

A developer upgraded to the $100 plan for Fable 5 to build a personal productivity app, expecting better performance. However, using "ultracode" mode, their 5-hour tokens were quickly depleted within minutes after a couple of prompts. They are now seeking advice on whether Opus 5 on "ultracode" would be a better option or what the "sweet spot" is for balancing effort and token usage with Fable 5.

This report uniquely details a user's direct experience with Fable 5's token consumption on a higher-tier plan, unlike general discussions about its capabilities.