Are you talking about the Github Copilot extension offering gpt 4.1 with its free tier?
This isn’t unlimited. Its 50 requests/mo. If you only need 50 and don’t need higher end models, then yea, this is a good free option.
And the free version probably has github copilot training on your project, if that mattered.
If your goal is to hunt for the cheapest/free option, Cursor is not competing for that slot and in my opinion shouldn’t. There’s no money in it and the “free” userbase is trash because they can’t program so they just complain nonstop.