I'd pay for the service if the model was: I'll pay you when it's right and you refund me some amount every time copilot is wrong and I have to delete the entire block. It's good for small boilerplate stuff but that seems to be the limit. The attempts it makes are more complex code are really bad and I have to manually check it very closely to ensure it's right. I like the boilerplate boost but it's not worth $10/month to me.