What a weird way of thinking. If you act so pedantic anyway, you can stop coding simply 1 percent earlier each day, since your boss would not notice anyway. Personally I live in Belgium and I would be glad to pay 20 euros per month if it increases my productivity, as noticed by my boss or not.
The real problem however is, I cannot simply share my employer's repos to be absorbed by any LLM out there. So I use only the tools that my employer provides and approves of. Currently that is Microsoft Copilot chat/RAG via my work account. It takes some copy/paste and adaptations of problems/solutions but it is much more efficient than using SO. It is also a great teacher that never gets tired of my plenty why/how questions.
In my view, the future is that LLMs can train on entire private code repos until it understands its ins and outs. Currently it would need to fit in the context window, hence you need to babyspoon it, as I understand things.