Cursor is the default for a reason. The tab completion is the fastest, the Composer flow is the most refined, and the background agents work well enough to keep using. If nothing about your current Cursor setup hurts, do not switch.
Windsurf is the rational switch for Cursor users who feel the IDE has gotten loud. Cascade is genuinely a different agent shape — more continuous, less prompt-driven — and the IDE is quieter. Most Cursor users moving to Windsurf describe it as "the IDE got out of my way."
Claude Code is the right pick when the issue is not the IDE at all. It is "I want the agent in the terminal, on cron, in CI, doing work without me watching." That is a different job. Run Claude Code alongside Cursor or Windsurf rather than instead of them. Pick the IDE based on how you want to edit, pick Claude Code based on how you want autonomous batches to run.