I don’t use it often, but occasionally use the proofread option. Other than that, it stays out of my way.
Nobody can predict what Apple will do tomorrow, but as of today, they aren't really pushing Siri/Apple intelligence really hard particularly after initial setup. None of most of the above for example.
I don't know what happens with Home Edition, but I though the pushback was mainly from Insider Preview?
You can't even select a cell on notepad without a freaking copilot button pooping up every single time. Same on word, that's maddening !
You could argue that windows isn't Microsoft copilot 365, but then, why do people even use windows ? It's always because of the office, my bad, copilot 365 suite.