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I agree with your general point, but there is already a bring-your-own-key and select your own model providers option in Cursor.

They broke the openrouter integration though; it worked and now it does not anymore. Not sure if it was intentional or not, but it is a PITA.

The option you mentioned only works in the chat panel, not with other killer features that utilize the cursor.

Sadly they disable the Compose feature when using your own Claude key