I'm 50% brainstorming ideas with it, asking critical questions and learning something new. The other half is actual development, where I describe very clearly what I know I'll need (usually in TODOs in comments) and it will write those snippets, which is my preferred way of AI-assistance. I stay in the driver seat; the model becomes the copilot. Human-in-the-loop and such. Worked really well for my website development, other personal projects and even professionally (my work laptop has its own Open WebUI account for separation).