I reckon AI must be much better now at this since it's doing all sorts of things, but I wonder if you still would need to have the repo cloned so that it can crosscheck with the source code. Since the knowledge cutoff should be around 2025, most of the stuff it knows should be plenty
If I'm thinking of building a single one off site, then yeah I'd probably opt to just let CC handle it without worrying about a framework which is overengineered for my current need. That's what I do with most of the personal projects I work on these days. But I do have a skill to build consistency around the parts that should be consistent for everything I host. Like package shape and types of hooks available for deployment. How sites are publicly exposed and DNS management.
Sadly none of this applies to me, so I wonder whether it makes a good argument when my question is "should I use Drupal for my personal hobby website".
Once you find you do have a need for something more complex (i.e. you have a team, want to give agents governed access etc), then it's pretty easy to go from a flat file to something more complex.