False dichotomy.

Free tiers of essentially any AI model would be able to do the same. People will use what MS bundled for free.

To boot even if you skip the free models, you could probably do a year's DIY assistance with 50 cents worth of GLM or Deepseek tokens. And the really costly jobs are ones where an AI assistant won't really help since, shockingly, most of the cost is hours of labor which you would have to do yourself.

or Google / Apple, mobile devices are the primary platform for many people

I'm too old to fall for the 'ole "introductory pricing" game hah