I think it's exactly the opposite, actually. They've integrated AI flawlessly into existing products to an extent nobody else has even come close to. Photos, for instance, makes better use of AI than any other photo management app in existence. If anything, ChatGPT/Microsoft/Google/etc are absolutely crippled because they don't have access to the data people actually use on a day to day basis—instead, it's scattered across a million browser apps and private silos.
And, you don't have to use an asinine chatbot integration looking like a fool to use it.
Perhaps Google comes the closest to being able to capitalize on this, but I can't say I can remember using any AI integration they have, and I stopped giving them my data over a decade ago.