The assistant that made the category mainstream, and still the safest institutional choice. Copilot is an extension rather than a new editor, so it drops into VS Code, Visual Studio, the JetBrains IDEs, Neovim and Xcode without changing how you work, and it reaches beyond the editor into GitHub itself: reviewing pull requests, answering questions about a repository, and taking on issues as a background agent.
It is the cheapest credible paid option and the easiest to get approved at work, with a genuinely usable free tier for light use. The trade-off is that a plugin sees less of your project than an AI-native editor does, so its multi-file edits tend to be less ambitious than Cursor's. If your team already lives on GitHub, that integration often outweighs the gap.