每周 15–20 小时编程、预算 20 美元，选 Cursor Pro 还是 Claude Pro？

Оригинальный заголовок: Best AI setup for coding 3–4 hrs/day under a strict $20 budget?

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一位开发者每周工作日晚上编程 3–4 小时（约 15–20 小时），主要用 Cursor 和 Zed，预算严格控制在每月 20 美元以内，需要快速自动补全和智能对话调试。

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Hey everyone,

I'm looking to buy a paid AI plan to help with my daily coding routine and need some honest advice before spending money.

My routine & needs:

Usage: 3 to 4 hours every weekday evening (mostly personal projects, building stuff, and upskilling).
Editors: Mainly using Cursor and Zed.
Budget: Strict $20/month max.
What I need: Fast autocomplete while typing + smart chat/context for debugging, architecture, and explaining things.

Options I'm considering:

Cursor Pro ($20/mo): Built straight into the editor, but will I run into rate limits with 15–20 hours of use every week?
Claude Pro or ChatGPT Plus ($20/mo): Great models, but is switching back and forth between browser and editor annoying? Also, how bad are Claude’s message caps during a 3–4 hour sprint?
OpenCode Go ($10/mo) or Command Code GOAT ($10/mo): Cheaper token pools / proxy plans for coding models. Are these actually practical and reliable for daily use compared to the big names?

For those with a similar daily schedule, which one gives the most value without constantly hitting limits?

Any advice or experiences or suggesting any other plans would be appreciated!