The trick is knowing when to have it off and when to have it on.
I particularly like Copilot Chat. Really nice to have there in the IDE.
I have really wanted to like AI assistance, but I can't figure out when it really helps. I'm an expert at ruby already, a targeted google search is faster than asking when it comes to an api I know exists, and I just need the order of arguments. It generates annoyingly "wrong" code, since it doesn't know our idioms.
Copilot is basically just a context-aware one line autocomplete. I can't figure out how to use it for more.
You have to read every line and character it suggests, but even so, it saves time.
It has also helped me while learning Typescript. As a beginner, it wasn't/isn't always clear to me how to find the types I need to use in third-party libraries like the Firebase SDK, and generating the code via Copilot and then finding the types it references helps me work backwards to understand where the types are declared. Sometimes, working with Copilot is like having documentation with tailor-made examples. Sometimes it's just wrong, though, so it's a mixed bag.
I'm signed up to the Copilot Chat preview so there are two parts to this answer: autocomplete and chat.
Autocomplete is great for things like boilerplate, docstrings, and annoying tip-of-tongue syntax.
It's a lot less helpful when working on something more creative or difficult, and that's when it needs to be off. I find it's an absolute no-go for complex data analysis, for example.
The Chat function is just GPT in IDE, so use is optional at all times.
As a concrete example, I was doing a Django project recently. I've done a few in the past, but I'm far from being an expert.
Things like the models.py were a breeze with the autocomplete on, but fell apart rapidly when writing a fiddly feature.
I used the chat whenever I ran across issues for which I wasn't finding quick answers on SO. This generally worked well, particularly as you can ask as many follow up questions as you like.
I also found chat good in other areas where I'm out of my comfort zone. Like throwing some vanilla HTML at it and asking for some CSS to layout and format in a particular way.
Long and short is it enabled a fair-to-middling dev to rapidly knock-up and document something in a relatively unfamiliar framework that was useful to his org.
In your case, you might find you have more truck with it when exploring something new or less familiar.