If it is not about the money, why do you have to use these tools? If you enjoy small farming why concern yourself with mass production, or expensive equipment? Remain in the lane you enjoy?
As of today, I've disabled Copilot. The only autocomplete that I can accept is absolutely mechanical one, not any kind of smart. I want to write the rest of the code myself. I like it.
I was weird in StackOverflow era, because I never blindly applied snippets, like other programmers do. I went over them token by token, reading underlying library sources and docs, always creating my own solution. It made me less productive, but I feel that my code was more robust and maintainable, so it was a good trade-off for me.
May be it'll work out the same way with AI, time will tell.