If you haven't already, look into trying out Copilot (I don't think there's a free version anymore?) or Codeium (free and has extensions for a lot of editors, just be careful with what code you're okay sending to a third party). Using AI prompts as a fancy auto complete is what has been giving me the most benefit. Something simple like a comment "# Test the empty_bank_account method" in an existing file using pytest, I go to the next line and then hit tab to auto-complete a 10-15 line unit test. It's not always right, but it definitely helps speed things up compared to either typing it all out or copy/pasting.
My biggest annoyance so far, at least with Codeium, is that sometimes it guesses wrong. With LSP-based auto-complete, it only gives me options for real existing functions/variables/etc. But Codeium/copilot like to "guess" what exists and can get it wrong.
> Like a buddy who sits nearby with a beer, sees what you do and is seasoned enough to drop a comment or a story about what’s on your screen any time.
I agree with you, this is probably where it would be most useful (to me). I don't need someone to write the code for me, but I'd love an automated pair-programming buddy that doesn't require human interaction.