Show estimated cost for subscription users with opt-out setting

[Priyans-hu]

Addresses #92 — subscription users (Pro, Max, Team) were seeing raw API dollar amounts that don't reflect their actual spend.

Instead of hiding the cost entirely (which loses the budgeting value @RemoteCTO mentioned), this keeps costs visible with a clear disclaimer and lets users toggle it off.

What changed:

• New showEstimatedCostForSubscriptions setting (default: on)
• When on + subscription detected: cost lines stay, plus a hint line — "Estimated at API rates — not your actual spend"
• When off: only token counts shown, no dollar amounts
• Toggle lives under General → Usage, nested under the existing "Show cost summary" checkbox
• API (pay-per-token) users are unaffected

Files touched:

• SettingsStoreState.swift / SettingsStore.swift / SettingsStore+Defaults.swift — new setting
• MenuCardView.swift — pass setting through Input, conditionally show cost + hint
• StatusItemController+Menu.swift / PreferencesProvidersPane.swift — wire setting to both Input call sites
• PreferencesGeneralPane.swift — toggle UI

Closes #92

[RemoteCTO]

I'd very much request that this is not removed.
That monetary figure is extremely useful for keeping tabs on what my likely budget looks like if Anthropic ever decide to remove their Max plans.

[Priyans-hu]

Good point — updated the approach. Now keeps the cost visible with a hint ("Estimated at API rates — not your actual spend") and adds a toggle under General → Usage so users can opt out if they want. API users are unaffected.

[Priyans-hu]

hey, just checking if we have any update on this, or are we good here @RemoteCTO @ratulsarna ?

[steipete]

Thanks @Priyans-hu. I’m closing this as superseded by the later Codex/Claude pricing and cache fixes that closed #92, plus the current cost display work has moved on substantially. The original issue was closed with the current behavior in place; if this exact opt-out is still needed against current main, it should be reopened as a fresh, smaller PR with updated UI/tests.