Which is cheaper: more Fast Requests or add own GPT-4 Turbo api-key?

Hello,

I am a hobbyist programmer, and I use cursor.sh for my personal page. Currently, I have paid $20 for cursor.sh and $20-$40 for additional GPT-4 fast requests.

To optimize my costs, would it be cheaper or similar if I add my own OpenAI key? Should I consider changing the model from default to Anthropic or Azure API?

I use cursor.sh for ts-node.