This is interesting; I do a third thing that's the exact opposite of both of you.
I generally know the architecture I want, so I just slowly spoon-feed it to GPT-4 and have it build each of the components with the right interfaces to fit together. Usually, building each component requires a few rounds of hand-holding it through various refactoring. Its first draft of code tends to be, for lack of a better description, totally lacking in any creativity or elegance --- generally bland, insipid, and mundane stuff.
But it'll gladly take refactoring directions to get it into shape, so it's still very quick to get a whole bunch of components written up. Then I just glue everything together on my own. And the whole experience is still way better than writing a bunch of boring boilerplate code by hand.
But coding with gpt or co-pilot is too disrupted for me.