HN crowd is generally anti-AI, so you're not going to get a lot of positive feedback here.
As a developer and someone who runs my own company, AI helps save me tons of hours - especially with research tasks, code audits - just to see if I've missed something, rapid frontend interface development and so much more if we go beyond the realm of just code.
YMMV but I use ChatGPT even for stuff like cooking recipes based on whatever's inside my fridge. And this maybe just me, but I feel like my usage of Google has probably gone down to 50-60%.
All this for $20 is really insane. Like you said, "people who are willing to put in work" really matters - that usually means being more intentional about your prompts, giving it as much context as possible.