I'm on the free/floss tier for Github Copilot, it's basically a really advanced autocomplete and not bad at boilerplate work... best example, was writing SQL for an initial schema, having an AppUser table and a Role table, the completion for AppUserRole was spot on. Other stuff, less so but still relatively helpful.

Not sure about the Office version though, the pricing is probably appropriate for the actual resources it uses, if you use Word or Outlook enough for it to make a difference. I don't see too many individuals who aren't students using it enough to be worth it. But there are definitely a handful in probably ever company with over a hundred people in it.