If you give them a fair and reasonable go, you'll discover more than asking leading questions on HN. In example, there are many things you are unaware of as possibilities, like how easy it is to undo code changes to the last checkpoint (copilots chat checkpoint, not git or vcs). They can also make use of all the external tools, knowledge repositories, and search engines we use.

My personal experience has led me to increase my monthly spend, because the ROI is there, the UX is much improved

Hallucinations will never go away, but I put them in the same category as clicking search results to outdated or completely wrong blog posts. There's a back button