This parallels my own experience so far, the problem for me is that (1) and (2) I can quickly and easily do myself and I'll do it in a way that respects the original author's copyright by including their work - and license - verbatim.

(3) and (4) level problems are the ones where I struggle tremendously to make any headway even without AI, usually this requires the learning of new domain knowledge and exploratory code (currently: sensor fusion) and these tools will just generate very plausible nonsense which is more of a time waster than a productivity aid. My middle-of-the-road solution is to get as far as I can by reading about the problem so I am at least able to define it properly and to define test cases and useful ranges for inputs and so on, then to write a high level overview document about what I want to achieve and what the big moving parts are and then only to resort to using AI tools to get me unstuck or to serve as a knowledge reservoir for gaps in domain knowledge.

Anybody that is using the output of these tools to produce work that they do not sufficiently understand is going to see a massive gain in productivity, but the underlying issues will only surface a long way down the line.