Ask HN: What's the best AI coding tool today?

My current workflow would be something like: write detailed requirements, ssh into a remote instance, ask an agent to write a plan and giving it free rein to build it there, only pinging me back when it's ready or when it's stuck. I could write code manually in an IDE too but only when the problem is too complex for an LLM.

I've used Cursor for work for a few years, but I'm really not a fan of giving all of my data to Musk. Also I think I want to spend less time writing code by hand.

I tried Antigravity but it's utter garbage.

I heard some good things about Opencode+open models/ollama cloud, but opencode seems slightly buggy when running it over ssh.

I'm really reluctant to give my money to the 2 leaders in the field, I don't think I want to contribute to them making more money, but I could be convinced if there was no doubt they're the best, which I'm not totally sure of.

I'm also on a limited budget and don't want to get a 200$ subscription unless there is zero doubt it's worth it.

My main focus is building MVPs around AI/agents, mobile apps, and scraping/automation.

In your opinion is there a clearly superior solution today you'd recommend? In terms of capabilities, value for money, usage limits.