> Most web developers are perfectly capable without understanding the intricacies of the file system or OS, even though the browser sits on top them.

This will mess you up if you ever need to store a significant amount of files on the file system directly, or even deal with resource usage for batch processes, or have to dig into non-trivial transaction handling when dealing with DBs without having learnt enough about them, or even the whole domain of SQL and query optimization that ORMs will not protect you from and so many other things.

I don't think you need to know everything, but you definitely need to learn.

> But surely at some point you need to stop, right?

I guess, but typically due to your own lack of curiosity or mental exhaustion, or even limited time to spend on something, rather than the new knowledge and skills not being good to have. At least knowing when AI is heading in the wrong direction for any given domain will save your bacon.