If one has already set up Claude Code with metered API use, one toggles between plans using the /login command. Once to start using Max, then whenever one hits a five hour rate limit and wants to keep working.
I've tried many platforms. I kept Cursor long after Windsurf, but Claude Code is a clear winner, as most people report who don't bristle at the cost.
When Cursor or Windsurf forks VS Code, they have a reason. Their chat panes always felt like periscopes; one has better control over Claude Code in a terminal, and this frees up one's choice of editor. I now use Sublime Text, fast and lean.