Thanks, I agree, once “Project individual elements” is turned on, Blender starts taking into account collisions of active object with other objects. As far as I’ve been able to test, only in that scenario cursor position is not crucial. In every other, it is very important where the cursor is.
Thank you very much for pointing my attention to this. After all this testing, I believe using snapping will be much more intuitive and easier for me 🙂