To put a little bone on the flesh from my side of the isle: I am currently writing what I would consider a fairly complex (web) system in Rails, managing all aspects of a medical startup (patient portal, provider platform, documentation, billing, scheduling, PWAs). Think in terms of complexity and aspiration what might be required to run https://www.onemedical.com/
I understand that it is not John Carmack type work, but I would not describe it as either easy or simple. But maybe you would – and then this is where all the confusion ends :)
I do this mostly in Windsurf using the new Gemini 2.5 pro (which just came out recently and is a huge jump up; before that it was mostly Sonnet 3.7). It writes probably around 95% of LOC and it also definitely does what I would consider some of the code design, although there the contribution percentage is much lower and it's definitely more of a thought partner, that can do some things better than I can. There is definitely a lot of collaborative plan writing involved, todo lists with check-off boxes and explicit instructions on the process.
What it absolutely does not do is, well, anything, unless I explain to it what I want good enough. That part comes relatively natural, because I would normally just write a lot before coding/designing to understand that it is what I want. That lends itself to work with the LLM I guess (and I just now wonder if most of the daylight can be found there)