Most people aren't anywhere close to Terence Tao on intelligence scale. Even most of HN commenters aren't that close to Terence Tao.
You don't need super big brain IQ to be creative and expressive, all you need is simply a strong opinion on something, and you don't let AI (or other people) dictate otherwise.
Now the skill issue lies in whether your opinion is a good idea or not lol.
I don't think balancing AI use with creativity and thought is a matter of IQ. It comes down to how you use the tool.