The possibility that the performance of these tools still isn't at the level some people need it to be is not an option?
It's insulting that criticism is often met with superficial excuses and insinuation that the user lacks the required skills.
That possibility is covered by A and B.
GP said 'falls short every time I’ve tried'. Note the word 'every'.
When really solid programmers who started skeptical (and even have a ban policy if PR submitters don’t disclose they used AI) now show how their workflows have been improved by AI agents, it may be worth trying to understand what they are doing and you are not.
https://mitchellh.com/writing/my-ai-adoption-journey
My experience mirrors that of Mitchell. It absolutely is at the level now where AI can free up time to do the really interesting stuff.