2 x5 Pro lite account or 1 x20 Pro account

Hi,

Need help in deciding which codex sub is more bang for buck? OpenAI allows having multiple accounts and haven't seen any issues as compared to Claude who is just bad. Wanted to know if i should get 2 x5 Pro accounts or get a single x20 account? which makes more sense in regards to overall usage and the reset benfits from Tibo.