First of all. If I was the legal team of any company I'd tell developers to stay away from copilot, since the legal status is still undecided and microsoft has a disclaimer that any legal issues fall on the users (which is probably illegal but you'd have to sue microsoft to get it overturned).

Second… It's a work tool just like any other work tool, why should I buy it out of pocket? In the end it's to the advantage of the company if I'm faster at my job.

Now I'm thinking, precisely because it's not paid by the company but by the single user, in case there is legal action, the company might shift the blame on the developer. If they reimbursed they would have no way of claiming they weren't aware.