I'm in a very similar situation: I have RSI and smarter-autocomplete style AI is a godsend. Unlike you I haven't found more complex AI (agent mode) particularly useful though for what I do (hard realtime C++ and Rust). So I avoid that. Plus it takes away the fun part of coding for me. (The journey matters more than the destination.)

The accessibility angle is really important here. What we need is a way to stop people who make contributions they don't understand and/or can not vouch they are the author for (the license question is very murky still, and no what the US supreme court said doesn't matter here in EU). This is difficult though.