Just copilot.el (I checked to be sure and I'm pulling from github.com/zerolfx/copilot.el)

My config is quite simple:

     (progn
       (require 'copilot)
       (add-hook 'prog-mode-hook 'copilot-mode)
       (add-hook 'git-commit-mode-hook 'copilot-mode)
       (add-hook 'org-mode-hook 'copilot-mode)
       (define-key copilot-completion-map (kbd "y") 'copilot-accept-completion)
       (define-key copilot-completion-map (kbd "n") 'copilot-next-completion)
       (define-key copilot-completion-map (kbd "c") 'copilot-clear-overlay)
       (global-set-key (kbd "C-M-S-s-u") 'copilot-complete)
       )

I only get suggestions if I use that key (the prefix looks huge but I have a Keyboardio Model 100 and I have that bound to the Any key, so I intentionally picked a crazy-long prefix hoping to avoid collision with other shortcuts) and that's the way I like to use these tools (which is why the behaviour in Cursor drives me crazy, though I admit I haven't spend time looking at its configuration, maybe it's something that can be turned off).

(Edit: formatting)