>Development fits into the gaps of the day instead of requiring dedicated desk time.

I find myself planning and jotting down things into a notebook while juggling adult/parent responsibilities. On little longer gaps I research. Then when the occasional longer gap happens I'm ready to start cracking on my desktop. I've been only dabbling with AI but have found that writing prompts by hand in the notebook and using the desk time to execute them works well. This also keeps me in the free tier.