I've only ever added AI to n8n workflows through ollama nodes/tools and agents and whatnot.
I haven't seen the version where an AI llm is baked in yet.
I did see we have tables now which is handy.
Like I said, I'm self self-hosted tho so, either way, don't have to use it if you don't want. I'd probably recommend anyone just install whichever is easiest unless, it's forcing you to download the llm blobs/models and you don't have the space for it.