I have to agree. It's still a bit hit or miss, but the hits are a huge time and money saver especially in refactoring. And unlike what most of the rather demeaning comments in those HN threads state, I am not some 'grunt' doing 'boilerplate work'. I mostly do geometry/math stuff, and the AIs really do know what they're talking about there sometimes. I don't have many peers I can talk to most of the time, and Claude is really helping me gather my thoughts.
That being said, I definitely believe it's only useful for isolated problems. Even with Copilot, I feel like the AIs just lack a bigger context of the projects.
Another thing that helped me was designing an initial prompt that really works for me. I think most people just expect to throw in their issue and get a tailored solution, but that's just not how it works in my experience.