Let me cut through the bullshit marketing speak and tell you what these tools actually are:
The Reality Check
Traditional AI platforms like GitHub Copilot are basically fancy autocomplete that sometimes works. They'll suggest the right function name 60% of the time and completely hallucinate non-existent imports the other 40%. I've been using Copilot for two years - it's helpful for boilerplate but will confidently suggest deprecated APIs from 2019.
Cursor
Cursor is what happens when someone builds an IDE specifically for AI instead of bolting it onto VS Code. It actually understands your codebase instead of just looking at the current file. The AI can refactor across multiple files without breaking everything. When it works, it's legitimately impressive. When it doesn't, it crashes and takes your unsaved work with it.
The official docs explain the core features, but don't tell you about the memory usage issues in recent 4.x versions or how the indexing can break on large TypeScript projects. The pricing page makes the Pro plan look reasonable until you realize the free tier gives you maybe 60 suggestions per day - which lasts about 30 minutes of actual coding. Check the Reddit discussions for real user experiences, not the polished marketing bullshit.
Windsurf
Windsurf claims to be "agentic" which is fancy talk for "the AI does stuff automatically." Sometimes it's brilliant - I watched it fix dozens of TypeScript errors across multiple files in one shot. Other times it decides to refactor my working authentication system into something that doesn't compile. The results are... unpredictable.
The Windsurf docs are comprehensive but don't mention the random crashes on M1 MacBooks when indexing large projects. Their editor features look impressive until you hit the memory usage wall - I've seen it consume 12GB just sitting idle. The download page doesn't warn you about the WiFi dependency issues that make it useless for remote development.
Replit Agent
Replit Agent is for people who want to describe an app and have the AI build it. It's amazing for demos and prototypes. I built a working todo app in about 10 minutes just by chatting with it. But try to build anything with real business logic or third-party integrations and you'll spend more time fixing the AI's mistakes than writing it yourself.
The Replit pricing will shock you - the free tier is basically unusable and the paid tiers rack up costs fast. Their AI billing docs explain how credits work but not how quickly you'll burn through $40/month. Check Reddit for complaints about unexpected bills that can hit hundreds of dollars. The brand kit looks professional but doesn't mention the compute costs that make real development prohibitively expensive.
Lovable
Lovable is Replit Agent but specifically for web apps. It's surprisingly good at generating functional React components and even handles state management decently. Perfect for landing pages and simple CRUD apps. Anything more complex and you're better off coding it manually.
Their documentation is actually decent, and the video tutorials show real examples instead of marketing fluff. The pricing page is more transparent than most, though you'll hit limits faster than expected on real projects. Read the Contrary Research analysis for a realistic assessment of their business model and technical capabilities.
The brutal truth? Each one excels at specific things and fails spectacularly at others. None of them are the "one AI tool to rule them all" that their marketing teams want you to believe.