I use Cursor when I code myself. But I don't use it's chat or agent features. I had replaced VS Code with it but at this point I could go back to VS Code, but I'm lazy.
Cursor agent/chat we're fine if you're bottlenecked by money. I have no idea why or how it uses things like the codebase embedding. An agent on top of a filesystem is a powerful thing. People also like Aider and RooCode for the CLI experience and I think they are affordable.
To make the most use of these things, you need to guide them and provide them adequate context for every task. For Claude Code I have built a meta management framework that works really well. If I were forced to use cursor I would use the same approach.