> If I don't use AI to build my own SaaS / business

This was going to burn you out no matter what, unless you got the business chops and the stamina to be in it for the long term.

My advise: stay at your job and ride this wave, don't try to go under it. To countrbalance, work on hobby projects that scratch an itch for you. Work at your own pace for fun, not for profit. The value you get out of it is satisfaction rather than money (which is what your day job is for).