I'm in the same boat. LLMs help with some research and idea bouncing, and then I write all the code myself.

Despite what some might say, there isn't a big moat between those who use LLMs for programming and those who don't. So if I ever truly need to use LLMs to survive, I'll just have to start paying for a subscription.

In the meantime, I'll be keeping my own skills sharp and see how that turns out in a few years. I'm afraid software quality is going to take a nosedive in the near future, it was already on a downward trend.