Visual Studio and VSCode have also become infested with little Copilot icons.
It still surprises me to have shows stopping bugs with it, In THE first party IDE, in Windows, using pure .NET and other microsoft tooling
I couldn't describe a more perfectly vacuum'ed spherical cow, and still, copilot dies randomly even after they have acknowledged the problem and made some fixes
The reason macOS can do this is because a large majority of apps are either native AppKit or otherwise hook into the system text facilities (which is why text services work in text fields in Chrome and Firefox for example).
Though some applications also benefit from app-specific integration on top of that.
Third option: Put it in its own app. I'll decide how I want it to "help".
AI is best integrated at the application level because the application developers are best suited to tune the algorithm and determine which pieces of context are most relevant.
A lot of our opinions on AI (like the one you just conveyed) stems from now nascent the design thinking around AI truly is. Like early internet, I suspect 10 years from now the UX of these tools will be much more mature. There'll likely always be a need for what ChatGPT has now, but these do feel like OS features.
Microsoft really don't know what they're doing. They're trying to throw stuff at the wall and see what sticks without thinking of any externalities such as people getting pissed off and leaving to other platforms.