I also found Windsurf defaults to "changing or creating" stuff, but a simple: "let's reason first, or don't create any files" solves it.
I didn't import anything settings from Cursor, so I don't know about that.
I still find Windsurf has better awareness of my codebase (Django, Redis, Postgres, Celery, all running via Docker for dev and prod).
Cursor is not good at understanding the setup.