Can I vibecode Cursor?

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Build a comprehensive AI coding setup designed to replace Cursor, assembled entirely from free or locally owned components. Do not attempt to write a custom editor or a bespoke agent from scratch. Instead, your task is to install, configure, and wire together existing tools. 

You must strictly follow these requirements: Use VS Code or VSCodium as the base editor. Install and configure the 'Continue' extension to handle in-editor chat, inline code editing, and intelligent autocomplete. Additionally, integrate a terminal-based agent (such as aider or Claude Code) for complex, multi-file refactoring jobs. 

Create a highly detailed `~/.continue/config.yaml` configuration. Configure the chat and edit functionalities to use a capable model like Claude 3.5 Sonnet (via API). Configure the autocomplete functionality to use a cheap, fast, and local model (such as Codestral or qwen2.5-coder via Ollama) to ensure that autocomplete remains local, fast, and completely free. 

All API keys must be read dynamically from environment variables set in the user's shell profile (e.g., `.bashrc` or `.zshrc`). Absolutely nothing should be hardcoded in any configuration file. You must enable Continue's codebase indexing feature on the main repository and provide instructions on how to verify that a "where is this defined?" question successfully retrieves the correct context from the local file system. 

Map the keybindings to standard muscle memory: `cmd+K` (or `ctrl+K`) for editing the current selection, `cmd+L` (or `ctrl+L`) for focusing the chat panel, and `Tab` for accepting autocomplete suggestions. 

Provide a detailed README file that serves as a complete setup guide. This README must include a "spend check" section that transparently compares the estimated per-token API pricing of this DIY setup against Cursor's $20/month flat fee, including a strong reminder for the user to compare their provider dashboards after two weeks of real-world use to evaluate cost-effectiveness. 

Explicitly declare out-of-scope features: do not attempt to replicate cloud/background agents, Cursor's specialized 'composer' UX, or any team/enterprise features. Explain that Cursor's subscription fee pays for exactly that rapid iteration speed and polished native UX, which this DIY setup trades for control and privacy. The README must include explicit installation commands for each operating system (macOS, Linux, Windows), the complete configuration file text, and step-by-step instructions on how the user can swap out different local or cloud models in the future as new models are released.