After 2 years of using all of these tools (Claude C, Gemini cli, opencode with all models available) I can tell you it is a huge enabler, but you have to provide these "expert guardrails" by monitoring every single deliverable.

For someone who is able to design an end to end system by themselves these tools offer a big time saving, but they come with dangers too.

Yesterday I had a mid dev in my team proudly present a Web tool he "wrote" in python (to be run on local host) that runs kubectl in the background and presents things like versions of images running in various namespaces etc. It looked very slick, I can already imagine the product managers asking for it to be put on the network.

So what's the problem? For one, no threading whatsoever, no auth, all queries run in a single thread and on and on. A maintenance nightmare waiting to happen. That is a risk of a person that knows something, but not enough building tools by themselves.