I've found it's easy enough to have AI scaffold a working demo environment around a single component/class that I'm actually working on, then I can copy the working class/component into my "real" application. I'm in a pretty locked down environment, so using a separate computer and letting the AI scaffold everything around what I'm working on is pretty damned nice, since I cannot use it in the environment or on the project itself.

For personal projects, I'm able to use it a bit more directly, but would say I'm using it around 5/6 level as defined here... I've leaned on it a bit for planning stages, which helps a lot... not sure I trust swarms of automated agents, though it's pretty much the only way you're going to use the $200 level on Claude effectively... I've hit the limits on the $100 only twice in the past month, I downgraded after my first month. And even then, it just forced me to take a break for an hour.