If you discuss an idea with an AI and then close the AI window, turn to an editor, and write what the AI said from memory, that’s going to come across as AI-assisted writing and be unwelcome here.

If you discuss an idea with AI, then close the window and write a post about how you came up with the idea, got stuck, decided to ping an AI for unstuck-ness, describe how the AI’s response got you unstuck, and then continue writing about your idea, that’s not going to be necessarily treated as AI-assisted writing — but people are going to be extremely suspicious of you, because the perception is that 99.9% of people who use chatbots go on to submit AI-assisted writing. That’s probably more like 90% in reality but it’s something to be aware of as you talk about your experiences.

If you use AI in your process and don’t disclose it when writing about your idea and process, that’s generally viewed as lying-by-omission and if egregious enough you could end up downvoted, flagged, and/or banned (see also the recent video game awards / AI usage affair). Better to disclose it with due care than to hide it.