> Small neural networks I believe are the current state of the art (e.g. train to reverse a 16x16 color filter pattern for the given camera). What is currently in use by modern digital cameras is all trade secret stuff.

Considering you usually shoot RAW, and debayer and process in post, the camera hasn't done any of that.

It's only smartphones that might be doing internal AI Debayering, but they're already hallucinating most of the image anyway.

Sure - if you don't want to do demosaicing on the camera, that's fine. It doesn't mean there is not an algorithm there as an option.

If you care about trying to get an image that is as accurate as possible to the scene, then it is well within your interest to use a Convolutional Neural Network based algorithm, since these are amongst the highest performing in terms of measured PSNR (which is what nearly all demosaicing algorithms in academia are measured on). You are maybe thinking of generative AI?

Yes, people usually shoot RAW (anyone spending this much on a camera knows better) - but these cameras default to JPEG and often have dual-capture (RAW+JPEG) modes.