No, not at all.
- Chatgpt 3.5 is free to use you can start with free and than upgrade to pro if not satisfied with the chatgpt 3.5 results ( chatgpt 4 is useful if your work required coding and research, no doubt in general also chatgpt 4 will provide better results but it all depends on individual and there use case)
Chatgpt 4 free alternative is Google Bard where you can upload files also
- Leonardo Ai gives you 150 credit everyday ( you can use multiple email account on leonardo if you want to generate more images ).
- Midjourney does not provide free credits any more, so if you want to use mid journey you need to pay