It's quite a gap really.

I'll say this, coding agents make the lack of a "batteries included" framework like rails or Django somewhat less daunting.

But "convention over code" and having a default structure / shape for projects is extremely helpful and you feel it when it's missing.

For my last small project I looked at Loco but ended up passing on it because I felt like adoption wasn't great yet. I really hope it takes off, though.