To clarify, I mean an NWC subscription to use the API from the app itself, not a per-user fee, and it doesn’t require sign-in. I could choose to add a session fee on the app side, or keep it free to the user, depending on the cost.

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Yes, this is a good idea.

You would have to use an API key in the client, which is the same as loading credits on a nostr key and using it in the client. It's basically the same

Right, the difference being that with NWC I can set a budget so there’s no need to manually top-up the balance.

yes this is true.

The UX for builders is not where I want it to be, but there is so much to build and I have to prioritise