You're still captive to a product. Which means that when CloudCo. increases their monthly GenAI price from $50/mo. to $500/mo., you're losing your service or you're paying. By participating in the build process you're giving yourself a fighting chance.

I will quickly forget the details about any given code base within a few months anyway. Having used AI to build a project at least leaves me with very concise and actionable documentation and, as the prompter, I will have a deep understanding of the high-level vision, requirements and functionality.