If you're in the market, OpenCode is quite good and has become my daily driver. You may also consider pi[0], but that's (from what I've heard) more agenty.
I only used Cursor in short bursts so 20 USD per month was hard to justify. I recently switched to VSCodium + Cline + OpenRouter and I can use any model I want (currently Step 3.5 Flash for "Temu Sonnet"). It scratches the itch very well for me for literal pennies on the dollar.
I should also add: Cline doesn't require any account at all. I just installed the extension and added my OpenRouter API key and that was it.
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