If you’re a general user or developer seeking a versatile AI assistant, ChatGPT is your best option. It offers a wide range of features, from chat capabilities to file analysis, and has a vast ecosystem for integrations. Its lower-cost "mini" models make it especially appealing for high-volume API users. However, if you need open weights or the absolute lowest API cost, you should look elsewhere.
On the other hand, if you’re a developer who primarily focuses on coding and values enhanced AI completion, Cursor is tailored to your needs. Its codebase-aware chat and agent mode for multi-file edits make it an invaluable tool for code-heavy tasks. Just be aware that it can become pricey with heavy usage and it lacks the open-source flexibility that some developers might require. If you rarely use AI assistance, then Cursor might not be worth the investment.