I use both Cursor on Claude 3.7 and ChatGPT on 4o/o3. Cursor seems kind of "dumb" compared to 4o, but it's a good workhorse.
I let Cursor handle the basics - basically acting as a glorified multi-file autocomplete. I think through common problems with 4o, tough problems with o3, I copy all of Svelte's docs into 4o (https://svelte-llm.khromov.se/) to get good Svelte 5-focused feedback, I have 4o code-review what Cursor writes from time to time, I have 4o, sometimes o3, generate "precise" prompts that I'll give to Cursor when me talking off-the-cuff to Cursor doesn't get good results after a few attempts.
I don't consider myself an expert in these areas yet so I might be misusing Cursor, or not making enough use of its rules system, or something. I feel like I get good value for my ChatGPT subscription. I don't feel like I get good value for my Cursor subscription, but I also still feel like keeping it because $20 to type a lot less is still pretty nice. I would be upset if I only had a Cursor subscription and no access to ChatGPT. I am pretty hesitant to pay for AI à la carte. I feel much better about working within the limitations of a known subscription cost.