I doubt most people use OpenCode coding plans, nor do they use OpenRouter. I use subscription plans from ChatGPT, z.ai, MiniMax & Xiaomi with OpenCode. It handles authentication with all of them seamlessly. I switch between models based on task/subtask and based on usage limits. You can get the most value out of a lot of these plans at their second-tier and they are often switching in value relative to each other, so it makes sense to arbitrage them like this.

Most of that switching is automated (oh-my-openagent - defaults sub-tasks to different roles, so for example I use MiniMax for explorer tasks and GPT 5.5 for deep design & review tasks, and GLM 5.2 for general orchestrator & most coding). If I hit usage limits it switches to a backup for that task. I'm not sure Cursor authenticates with all the subscription coding plans from all those companies - but if it does it can't be doing it any better.

I run it in a sandbox and its not phoning home.