Depending on your fault tolerance and timeline, one will be better than the other. If you have low tolerance for faults, ChatGPT is bad, but if you are on a crunch and decide its OK to be confidently incorrect some small percentage of the time, then ChatGPT is a great tool.
Most industry software jobs, at least the high paying ones, are generally low fault tolerant and that's why ChatGPT is not entirely replacing anyone yet.
So, even in your example, and even if you write the code all yourself, there is still a risk that you are operating above your own competence level, do exactly as ChatGPT instructs, and then it fails miserably down the line because ChatGPT provided a set of steps that an expert would have seen the flaws in.