I believe Nano Banana and gpt-image-2 have a little of this going on, but it's like asking a model to one-shot some code vs having an agentic harness with tools do it. Even the most basic agent can produce better code than ChatGPT can.
That's a scary thought.
Hey Claude, why haven't you finished yet? ... Because the human I'm holding hostage hasn't finished the drawing yet.
But it's not universally true, particularly among artists working in the last 100 years or so. Certainly Jackson Pollock (whether one regards his work as good or not) didn't sketch out how he was going to distribute paint onto canvas. Another example is Morris Luis (and other "stain painters") who didn't sketch out how he applied paint to canvas.
You're comment is largely correct, just pointing out that more than a few "decent artists" didn't (or don't) work that way.
Models don't have intelligence, even less so creative thinking.