Like most MS vs. Apple differences, it comes down to a matter of taste. They've added quite a few AI enhancements across their apps and operating system, but they are mostly feature
enhancements and not major AI branded efforts. Having a Summarize button in Mail.app where it's contextually relevant or having text improvement menu options in text fields vs. slapping a major "Copilot" tab into everything.
Their use of AI so far has been much less "let AI take the wheel and brand it as a product itself" and more "use AI to improve an aspect of <user need>".