I am in a similar place, I think, to you. Caveat: I don't spend a lot of my day-to-day coding anyway, so that helps, but I've never even tried Cursor or Windsurf. I just poke copilot to write whole functions, or ask ChatGPT for things that seem like they'd be tedious or error-prone for me. Then I spend 3-5 minutes tying those things together and test. It saves about 80% of the time, but I still end up knowing exactly how the code works because I wrote most of the function signatures and reviewed all the code.

I know in the very right circumstances the "all-in" way could be faster, but it's already significant that I can do 5x as many coding tasks or do one in a fifth the time. Even if it never ever improves at all.