Agency Decision Rule
Agencies should optimize for client-delivery throughput, not only seat cost. Plan choice depends on whether work is solo-heavy or shared team-heavy.
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Solo-heavy Agency Work
Use Cursor Pro as default. Move to Cursor Pro+ only when usage caps repeatedly slow delivery.
Team-heavy Agency Work
Use Cursor Teams when shared governance, billing visibility, and admin controls are required across multiple contributors.
Escalation Trigger
If senior developers are constantly rate-limited and turnaround time slips, move power users to higher tiers while keeping baseline seats efficient.