> I'll buy that - but, how often does one need an honest-to-goodness expert?

Any time you are doing anything important, where the outcome actually matters. For example, I was recently applying for a study permit and if I generated my application using an LLM instead of consulting with an immigration lawyer and writing it myself, I would not have gotten my study permit. I was recently applying for internships, and if I hadn't paid a real recruiter to review my resume and advise me, I would not have gotten my interview. And trust me, I spent at least an hour trying to get an LLM to generate what I wanted, but no matter how I begged or described what I wanted, it was no use. Good luck fine tuning an LLM to be good at any of this.

> they are getting consistently better

No, they are not getting better, and they will never replace an actual human expert, because a human expert has the actual experience and up-to-date knowledge of what they are an expert at, and also all the complementary context and the current state of affairs in that area. The LLM has none of that.