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docs: add chat mode costs

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Matt Bruce 2026-02-10 15:32:39 -06:00
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docs/ai/usage-tokens.md
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@ -62,6 +62,17 @@ Think of each model as a different "speed and cost" setting. Some models are che
- Use expensive models only when the task is truly complex or high-stakes.
- If you are unsure, start with Auto or a 0.33x or 1x option, then move up only if needed.
## Chat Modes And Cost (Plain Language)
Copilot chat has four modes. The lighter the mode, the less work you ask it to do.
Ask: Questions, summaries, or explanations. Example: "Summarize this file in 5 bullets and list 2 risks."
Edit: Small, targeted changes with clear constraints. Example: "Update this function to return nil on empty input. Keep behavior the same otherwise."
Plan: Get steps before edits. Example: "Give me a 5-step plan to refactor this module. Wait for approval before edits."
Agent: Multi-step work across files or tools. Example: "Refactor these two files, update tests, run the test task, and summarize results."
#### Example: Choosing A Model
- Task: "Summarize this file in 5 bullets." Use a 0.33x or 1x model.
- Task: "Refactor three files and update tests." Start with a 1x model. Move to 3x only if the 1x model fails.