Lots of money being made by luring people into this trap.
The reality is that if you actually know what you want, and can communicate it well (where the productivity app can be helpful), then you can do a lot with AI.
My experience is that most people don't actually know what they want. Or they don't understand what goes into what they want. Asking for a plan is a shortcut to gaining that understanding.
Or, as I like to put it: I need to activate my personal transformers on my inner embeddings space to figure what is it I really want. And still, quite often, I think in terms of the programming language I'm used to and the library I'm familiar with.
So, to really create something new that I care about, LLMs don't help much.
They are still useful for plenty of other tasks.