>>938634855
I use NAI. Budgeting your points is key. I recommend never using settings that consume points until you have the image virtually finished. You get unlimited gens at "normal resolution" (832x1216, 1216x832, and 1024x1024) or lower. Do all your generations at those resolutions and fix all the details with inpainting.
Then when you have all the details worked out upscale it with img2img to "Large" for about 15 to 20 points each. With 10,000 points a month that gives you hundreds of finished upscaled images.

The normal images are also pretty decent and you get infinite amount of them.