Claude Skills vs Cursor Rules vs Copilot Instructions: How Real Teams Set AI Coding Standards in 2026

Every AI coding tool now reads a config file. CLAUDE.md, .cursorrules, copilot-instructions.md, AGENTS.md, GEMINI.md. Most teams have three or four of them, written by different people, contradicting each other, drifting out of sync. Here is what each one actually does, where the meaningful differences are, and the layout that finally stopped my team from arguing about it on Mondays.

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