I don’t think they’re “talking down”. If anything - it’s way more difficult to distill something into a genuinely easy to digest format. I personally think that they aren’t immediately capable of this, and so we get word salad instead. Extra prompting required to strip extraneous prose out.

Maybe I am dumb and it IS talking down to me, but there have been many occasions where I’m reading AI generated docs / plans and it makes absolutely no sense, but looks really in depth at a glance.

It doesn't seem like word salad as such. There's normally a coherent point expressed, it's just obscured by circuitous sentence structures, unusual word choices, "verbing weirding nouns", metaphors, etc. Could be a result of training that rewards novel/surprising language, but it also feels like it could be an artifact of models imperfectly compressing high-level multidimensional reasoning into language that's easy for them to process but cognitively taxing for humans.