These tools split into three jobs, and almost nobody needs all three. Decide which one you are actually buying before you look at a price.
If you want conversation, the thing that matters is whether messages are metered. SpicyChat gives unlimited free text and OurDream runs subscriber chat at zero coins; both remove the counter that makes companion apps exhausting. Candy AI is the one to buy if you want the chat and the images to come from the same character.
If you want images, the question is how much control you are willing to learn. CreatePorn hands you tag menus and a daily free allowance. Promptchan hands you twenty million clonable generations to learn from. Civitai hands you the raw model library and expects you to know what a LoRA is.
If you want a specific look, go straight to the tool built for it: SoulGen and eHentai AI for anime, Seduced AI for fetish range, Deepswap for face swapping onto footage you already have.
Free tiers here are not equivalent. Three of the ten give you a recurring allowance you could use indefinitely; the rest give you a taste and then stop. The table above says which is which.