An interesting topic that will, given this site's community, attract a lot of strong opinions.

I, for one, only decide whether CoPilot's productivity increase is worth the $10 it costs per month.

It doesn't really matter whether you're an employer getting a 3–30% increase in productivity or whether you pay for it personally and finish 2 hours faster every week and log off illegaly. It's easily worth its money. What more to consider?