AI coding stuff is a massive lever on some tasks and used by experts. But its not self-driving and the capabilities of tge frontier vendor stuff might be trending down, they're certainly not skyrocketing.
Any other tool: a compiler, an editor, a shell, even a browser, but I'd say build tools are the best analogy: you have chosen to become proficient or even expert or you haven't and rely on colleagues or communities that provide that expertise. Pick a project or a company: you know if you should be messing around with the build or asking a build person.
AI is no diffetent. Claude 4 Opus just went GA and its in power user tune still, they don't have the newb/cost-control defaults dialed in yet and so its really useful and probably will be for a few days until they get the PID controller wired up to whatever a control vector is these days, and then it will tank to useless slop just like 3.7.
For a week I'll get a little boost in my ouyput and pay them a grand and be glad I did, and then it will go back to worse than useless.
These guys only know one business plan.