Yeah, this sort of argument is what I mean. Everything is being overthought. Not enough just facing the new paradigm that a lot of the things people are concerned most about is increasingly irrelevant.
AI is a commodity. Get a cheap flat rate on the best models and hammer out the code and then go back to lying on the terrace and sipping iced tea and shitposting.
Once your code exists, and you check it in and push, it's over. It's yours. Cancel the subscription. You can use pay-as-you-go for maintenance or just use simpler, cheaper local models. But hack that shit out and deliver deliver deliver. Get it built. Get it rolled out. Get it done. Use the best models for the shortest possible time.
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"Overthought" is your subjective opinion based on your own wants and needs, which aren't the only considerations of everyone else. That's my point. Someone from a different vantage point might consider your position under thought. Say a CEO of a software company. It's all relative and not as simple as you're making it. If that were the case no one would be buying products you aren't. We'd all just be buying what you do.
I've never used Cursor, for the record. I'm just saying that what you think is economically best doesn't necessarily apply to every actor. That's the whole reason we have advanced economies with lots of options.