After 3 months of daily use across all three, here's the honest breakdown. Claude Code (CLI) is the best for greenfield projects and complex refactoring — the agent loop is genuinely different. Cursor is the best IDE experience for existing codebases. Copilot is the best for autocomplete during flow state. The real move: use all three. Claude Code for architecture, Cursor for daily coding, Copilot for the small stuff. Total cost: ~$60/month. ROI: 3-5x faster shipping.