>AI art is just art

Not necessarily. You need to define "art" and most likely "creativity". As you have said AI is a tool, I assume you're not anthropomorphising the model itself as an artistic being.

So it's down to creativity/skill. I would say someone saying "create me an image of a person on a lake" has no creativity/skill at all. It may be an image, or a drawing, but it's not art. In the same way I can draw a stick person - it's a drawing without creativity/skill, so it's just a drawing, not art.