I’ve been using Cursor with Opus 4.5, and it suddenly showed me this warning:
“You are projected to reach your usage limits by 12/14/2025 based on your current usage. Consider switching to a different model or enabling pay-as-you-go to avoid interruptions until your cycle resets on 1/7/2026.”
My plan renews on the 7th, which basically means the $20 plan only lasts about 7 days for my current usage. 
That feels… surprisingly fast.