I just use Copilot (across VS Code, VS etc), it lets you pick the model you want and it's a fixed monthly cost (and there is a free tier). They have most of the core features of these other tools now.
Cursor, Windsurf et al have no "moat" (in startup speak), in that a sufficiently resourced organization (e.g. Microsoft) can just copy anything they do well.
VS code/Copilot has millions of users, cursor etc have hundreds of thousands of users. Google claims to have "hundreds of millions" of users but we can be pretty sure that they are quoting numbers for their search product.