I use the built-in terminal "panel" inside VS Code/Cursor all the time. It's next to some other useful tab panels. Great for when you need to run commands for the current project but still want to chat in the sidebar or edit something else while it runs.

Sometimes I'll use Ghostty at the same time and switch between the two. Just depends on what I'm trying to do at the moment.

Nothing wrong with maintaining all the context you need in a single window instead of alt+tabbing to different apps, especially for those not engulfed by three 4K displays.