I think there's two different cases here that need to be treated carefully when working with AI:
1. Using a well know but complex algorithm that I don't remember fully. AI will know it and integrate it into my existing code faster (often much, much faster) than I could, and then I can review and confirm it's correct
2. Developing a new algorithm or at least novel application of an existing one, or using a complex algorithm in an unusual way. The AI will need a lot of guidance here, and often I'll regret asking it in the first place.
I haven't used Claude Code, however every time I've criticized AI in the past, there's always someone who will say "this tool released in the last month totally fixes everything!"... And so far they haven't been correct. But the tools are getting better, so maybe this time it's true.
$200 a month is a big ask though, completely out of reach for most people on earth (students, hobbyists, people from developing countries where it's close to a monthly wage) so I hope it doesn't become normalized.