I think it will click once you actually sit down with the AI agent, toggle Plan mode, and just tell it what you want to do in couple of sentences. It will immediately start building up the plan, presenting it to you what it thinks is the right approach , with the steps to take, with open questions that you can look at and answers. Then send them back to the AI. Repeat. That process along would give you a progress way further than you try to do it by yourself.

You can tell it to start implementing step 1. And you pick it up from there. Very natural how you would approach an expert for help, but you can always audit.

Jon Gjengset has some live streams where he does agentic coding.