That's exactly how i do all my personal projects. No agents, AI just for planning/research/debugging and occasionally for small bits of code i am not super interested in. For example I'm currently working in Go, but need to use a C library, and don't know C much at all. So when i get stuck with the C interop parts, sometimes i let the AI write bits of C for me, or let it write scripts for cross-compiling or other stuff i just find to be a pain. But I'm doing all the writing and logic myself.

Agents make it too easy to gloss over too much. They're great at work where i care about productivity but I've zero interest at home where the point is learning and having fun