Cursor really is the best deal right now, the amount of usage you get with Grok is amazing and you can use frontier OpenAI or Anthropic models if you ever need to but most code can be written well by Grok.
Have you used their CLI? I run everything in VMs or containers to prevent access to things on my host.
It's not great if you don't want to use the Grok models though (and I don't, because it's now an Elon product), and if using Claude models via Cursor, the usage I get is way less, I was sometimes spending $60/month with Cursor and I get more with CC $18/month "Pro".
But CC took some getting used to, I also prefer the Cursor interface (the legacy "chat" pane).