That's been my experience as well. I like the idea of Beads, but it's fallen apart for me after a couple weeks of moderate use on two different projects now. Luckily, it's easy to migrate back to plain ol' Markdown files, which work just as well and have never failed me.
I went for cursor on the $200 plan but i hit those limits in a few days. Claude code came out after i got used to cursor but I've been intending to switch it up on the hope the cost is better.
I go api directly after i hit those limits. That’s where it gets expensive.
I haven’t used Cursor since I use Neovim and it’s hard to move out.
The auto-complete suggestions from FIM models (either open source or even something Gemini Flash) punch far above their weight. That combined with CC/Codex has been a good setup for me.