I think you hit the nail on the head. Without years of learning by doing, experience in the saddle as you put it, who would be equipped to judge or edit the output of AI? And as knowledge workers with hands-on experience age out of the workforce, who will replace us?

The critical difference between AI and a tool like a calculator, to me, is that a calculator's output is accurate, deterministic and provably true. We don't usually need to worry that a calculator might be giving us the wrong result, or an inferior result. It simply gives us an objective fact. Whereas the output of LLMs can be subjectively considered good or bad - even when it is accurate.

So imagine teaching an architecture student to draw plans for a house, with a calculator that spit out incorrect values 20% of the time, or silently developed an opinion about the height of countertops. You'd not just have a structurally unsound plan, you'd also have a student who'd failed to learn anything useful.