> I sometimes accept suggestions without fully understanding them
Why? This is a choice, and you can choose to change this behavior. You should! It will feel better and might avoid catastrophe.
> On hard problems, I feel less confident in reaching a solution independently.
I think you need to involve your independent sense of troubleshooting and problem solving, but that naturally involves using tools that help you. Let AI be that, if it helps you reach and verify solutions. Just don't stop involving yourself in a real way or you're risking a lot!
> Junior engineers rely on AI outputs without questioning edge cases, leading to subtle bugs.
See the first statement of yours I quoted. If you struggle with this as an experienced dev and can't lead on the matter by practice, how could you expect a junior dev to not struggle much more in the same shoes? This seems like something you address after dealing with your own shortcomings in your reliance on AI-provided solutions you do not comprehend fully.
> Have you experienced skill atrophy or decreased ownership since adopting AI tools?
Absolutely the opposite. I have made so much progress in areas I was struggling to overcome a lack of understanding. AI does not tire of discussing different angles, metaphors for understanding, etc. There's no reason to not understand AI, it will walk you through it to the point it points out its own errors sometimes.
> What practices help you preserve deep understanding while still leveraging AI speed?
Take copious notes on a whiteboard or paper. Do not take these notes digitally. You will not retain information you copy and paste from AI, you must have a physical note taking process where you synthesize the essentials and deal with them. After you have made paper/whiteboard notes, you can distill them into digital notes (do not directly retype them, summarize and clarify and make the digitized note concise)
> Should we treat AI copilots as “draft generators” or as true programming partners?
Work with AI like you'd share a project with an intern: you're in charge. You keep it on track, redirect it when it is off-course, and have it explain the decisions it makes. The more I treat AI like an intern the happier I have been with the experience, too.