I mostly agree with you, but I still don't think it's "worth the hype" even if you use it responsibly, since the hype is that it is somehow going to replace software devs (and other jobs), which is precisely what it can't do. If you're aware enough of its limitations to be using it as a productivity tool, as opposed to treating it as some kind of independent, thinking "expert", then you're already recognizing that it does not live up to anywhere near the hype that is being pushed by the big AI companies.