Also, the auto-complete with tools like Cursor are mind blowing. When I can press tab to have it finish the next 4 lines of a prepared statement, or it just knows the next 5 variables I need to define because I just set up a function that will use them.... that's a huge time saver when you add it all up.
My policy is simple, don't put anything AI creates into production if you don't understand what it's doing. Essentially, I use it for speed and efficiency, not to fill in where I don't know at all what I'm doing.