I believe conversation is a one of the best ways to really learn a topic, so long as it is used deliberately.
My folk theory of education is that there is a sequence you need to complete to truly master a topic.
Step 1: You start with receptive learning where you take in information provided to you by a teacher, book, AI or other resource. This doesn't have to be totally passive. For examble, it could take the form of Socratic questioning to guide you towards an understanding.
Step 2: Then you digest the material. You connect it to what you already know. You play with the ideas. This can happen in an internal monologue as you read a textbook, in a question and answer period after a lecture, in a study group conversation, when you review your notes, or as you complete homework questions.
Step 3: Finally, you practice applying the knowledge. At this stage, you are testing the understanding and intuition you developed during digestion. This is where homework assignments, quizes, and tests are key.
This cycle can occur over a full semester, but it can also occur as you read a single textbook paragraph. First, you read (step 1). Then you stop and think about what this means and how it connects to what you previously read. You make up an imaginary situation and think about what it implies (step 2). Then you work out a practice problem (step 3).
Note that it is iterative. If you discover in step 3 a misunderstanding, you may repeat the loop with an emphasis on your confusion.
I think AI can be extremely helpful in all three stages of learning--in particular, for steps 2 and 3. It's invaluable to have quick feedback at step 3 to understand if you are on the right trail. It doesn't make sense to wait for feedback until a teacher's aid gets around to grading your HW if you can get feedback right now with AI.
The danger is if you don't give yourself a chance to struggle through step 3 before getting feedback. The amount of struggle that is appropriate will vary and is a subtle question.
Philosophers, mathematicians, and physicists in training obviously need to learn to be comfortable finding their way through hairy problems without any external source of truth to guide them. But this is a useful muscle that arguably everyone should exercise to some extent. On the other hand, the majority of learning for the majority of students is arguably more about mastering a body of knowledge than developing sheer brain power.
Ultimately, you have to take charge of your own learning. AI is a wonderful learning tool if used thoughtfully and with discipline.