Your writeup accurately captures the big concerns I have about using AI coding tools. One extra thing I have noticed around this is I have a similar feeling about driving and self driving. I really love driving but since I was able to better arrange my life and no longer am a commuter driver I don't get as much daily practice so now when I do take the occasional long drive I don't have as much skill and expertise. It is the same with AI coding tools, I need to put them down from time to time and exercise my mental sharpness to prevent losing my abilities to be a senior engineer.