I had the same and switched to Claude code max and have been continuing the way of working on Opus. Now with the lower credit burn of Opus 4.5 i haven’t had a rate limit since. Imo the Claude Code token proposition and the Claude ecosystem far outweigh the benefits of cursor. This stuff is far too effective to hold back on
Relatively heavy cursor usage in my experience is around 100USD/month. You can set a limit to on demand billing.