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i also finally installed opencode and switched its model to muse 1.3
both are decent.
Gemini is what I mostly use (good enough, basically free - or massively generous free limits, and to me Google as a company is a LOT less objectionable than all the US-based alternatives), but I don't recall it ever saying that.
OTOH, my basic assumption online is that there is no privacy, and free AI in exchange for acknowledged lack of privacy seems fair enough.
E.g. say you chose Sol as your default in Cursor, but Opus is your 2nd choice, it's going to give up on Sol after a few tries and switch to Opus
Or you have copilot code reviews set up, and it falls back
Etc
With AI it's even easier to trigger problems like you say. Capacity is so constrained by compute that outages are common. Because outages are common people/AI develop failover systems in their harness. When a big system has issues, suddenly everyone has issues.
It's almost an expected emergent behavior.
In short, you can get pretty good outcomes for a low cost by picking 2 random alternates, then going with whatever one measures as healthier.
Edit: Updated per valleyer's suggestion.