Another consideration: written by hand, the trade-off of development velocity vs well organised code means that it can be worth taking some tech debt now in order to deliver some value now. (Especially when prototyping etc.).

With coding agents, agents can produce code quicker. The same trade-off still applies.. but, the time it takes an LLM coding agent to write well organised code is still going to be quicker than the time it takes me to write scrappy code.

Yes this is one reason IMO I think of AI code as instant legacy code.

You take on a lot of tech debt. Then you need to do the same work you would do with any legacy app: finding where the brittle points are, what needs better testing, which leads to breaking apart the big ball of mud into cleaner components.