I used 30% of my monthly allotment of requests in Cursor in just 1 hour of having it help me with a relatively mundane refactoring project. Part of the problem with $20 with usage limits is the anxiety it gives me about using up my monthly allotment, and it makes me reflect on the utility of every request I am sending to their servers. Combine that with the hand-holding, the minute guidance needed for good results, and it just isn't a good feeling.