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.