To the OP: I highly recommend you look into Continue.dev and ollama/lmstudio and running models on your own. Some of them are really good at autocomplete-style suggestions while others (like gpt-oss) can reason and use tools.
It's my goto copilot.
Same! I’ve been using Continue in VSCode and found most of the bigger Qwen models plus gpt-oss-120b to be great in agentic mode!
I've found Zed to be a step up from continue.dev - you can use your own models there also