My experience is that the "fancy autocomplete" is a focus destroyer.

I know what function I want to write, start writing it, and then bam! The screen fills with ghost text that may partly be what I want but probably not quit.

Focus shifts from writing to code review. I wrest my attention back to the task at hand, type some more, and bam! New ghost text to distract me.

Ever had the misfortune of having a conversation with a sentence-finisher? Feels like that.

Perhaps I need to bind to a hot key instead of using the default always-on setting.

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I suspect people using the agentic approaches skip this entirely and therefore have a more pleasant experience overall.