This exactly. You have to be honest about why you are building something. If the answer is that you actually want to use it, then yes, quality and maintainability are important. It might even be a good idea to use no AI whatsoever.
But if you are building it because doing so is in the long chain of cause and effect that leads to you being fed and having shelter, then you should minimize the amount of your time that is required to produce that end result. Do you get better food, and better shelter if the software is better? It would certainly be nice if that was the case, but it's not.
> Not everything is about money.
Except for your job, which is primarily about money. Making it take less time, means that you have more time to focus on things that really are not about money.
Most people spend maybe 1/4 of their working age life at a job working for someone else. Why would you deliberately sabotage that by checking out mentally and waste all that time on sub-standard work? How do you expect to earn a promotion? You can produce good code at work and even better code at home for yourself. Deliberately producing slop at work will not help anyone.