I think I would only switch from Overleaf if I was writing a textbook or something similarly involved.
@vicapow replied to keep the Dropbox parallel alive
You're right that something like Cursor can work if you're familiar with all the requisite tooling (git, installing cursor, installing latex workshop, knowing how it all works) that most researchers don't want to and really shouldn't have to figure out how to work for their specific workflows.
I have a phd in economics. Most researchers in that field have never even heard of any of those tools. Maybe LaTeX, but few actually use it. I was one of very few people in my department using Zotero to manage my bibliography, most did that manually.