Note that if you don't pick "Creative Mode" or "Use GPT-4, you get Microsoft's own LLM.
There is a new GPT-4 Turbo available from OpenAI that is ahead of GPT-4 on many benchmarks:
https://huggingface.co/spaces/lmsys/chatbot-arena-leaderboar...
My guess it that it will soon be incorporated into Bing Chat. So if money is tight, I would stick with Bing Chat (with the appropriate mode turned on). Note that Bing Chat is very different from vanilla Bing Search.
Bard and GPT 3.5 are decidedly inferior to GPT-4. I wouldn't waste my time using them.
Github Copilot is also markedly inferior to GPT-4 in generating code based on instructions.
Sometimes I get a little impatient waiting for Bing Chat to generate an answer. If the question is not too complicated, I have found perplexity.ai (w/o GPT-4) to be low latency and high factuality. In fact when searching for research papers on a topic, I have often found it superior to the alternatives.