In my experience, it just needs some high level guidance.

And it's quite easy to ask an AI to refactor a certain way too.

Been there done that. My point is that even with Fable being a big improvement, it still needs constant feedback.

The loops themselves are a lot better, but it still needs judgement calls, and Fable will often take an odd direction, and if you don't catch it, that odd choice will compound as it continues to layer on top.