I'm not so sure I agree with the fact that it's just generating boilerplate, or that "filling in is the hard part". It's quite good at filling in details. I've asked it several times over the past week to generate a simple rest api, using specified languages, to hit an endpoint I have some reasonable assumption exists. It generates all of that, and maybe the url isn't exactly correct but the subdomain is new to me, but I can then go to github and find similar subdomains published and already be off to the races with a fully functioning api. You have to be specific in what you want, even if you're just listing things. Want it to generate variables that are gender neutral, add that. Be aware of the meta instructions as well, such as generating the output using a different tone, to not search the web, or specifically outlining its response with "generate an essay title about... [out] now create 3 major points to support that".
But, here's one of the major catches, it cannot generate based on information newer than 2021. If your tools, frameworks, whatever, has changed significantly post 2021, you're in for a hilarious time.
It also cannot generate solutions that don't already exist - but here's the catch, most people overestimate their work complexity. A solution for them already exists in the wild, they just need to find it, well actually first they need to break down their problem.
I think once people are aware of the limitations and get a little better at finessing a prompt, they'll get much better results than just "emacs boilerplate generation".