Zed supports BYOK so you can connect it to GitHub Copilot or Anthropic or OpenRouter or whatever. The 500-per-month limit is only for Zed-hosted prompts. I personally switch between Zed-hosted, GH Copilot, Gemini API, and Ollama. Zed's AI integration isn't quite as "it just works" as Cursor's, but it's still very good and it gives you much more freedom.