Obviously depends what you're doing, and not suitable for everyone, but it's an unhelpful generalisation to say AI in its current form is purely a paid product subscription.
The main problem is that talking to AI is like talking to a human without any of the thorny parts. It's only going to be nice and helpful and always available to you. Chatting with AI is to social interaction like candy is to a balanced diet. Sure it's more instantly gratifying but long-term it's really bad for you. You need the thorny parts to build important social skills like tactfulness and navigating conflict.
If you are using it as an assistant, coach, or deep researcher to chat about interesting things with, then no.
Sherry Turkle breaks it down more here: https://www.youtube.com/watch?v=OMiR-GxTrtM