I generally use AI as an auto complete and rarely have it write features.
In general approach it expecting to explain everything and evaluate whether it makes more sense to use it or just do it yourself. Often the second option is much faster due to muscle memory and keyboard proficiency.
Even when it comes to boilerplate it will not respect the standards (unless you throw more files in the context) so you need to be specific. In cursor you can give more files to the context in all the chats I believe (except the simple one in the current editor window) and it will do a better job.
I think too many people treat AI as a junior coder that has been exposed to the business/practices and can give him short sentences and it will understand the task, but no, it's as good as detailed is your input (which is often not worth the hassle).
In cursor you can save prompt templates in composer by the way.
That being said there are situations where LLMs can severely outperform us. An example is maintenance of legacy code.
E.g. Cursor with Claude very good at is explaining you code, the less understandable it is, the more it shines. I don't know if you've noticed but LLMs can de-obfuscate obfuscated code with ease and can make poorly written code understandable rather quick.
I've entered an 800 lines of code function that computed the final price of configurations the other day (imagine configuring a car or other items in an e-commerce) and it was impossible to understand without a very huge multi-day effort. Too many business features got glued together all in a single giant body and I was able to both refactor it (find a better name for this, document that, explain this, refactor this block to a separate function, suggest improvements and so on).
Another great use case is learning new tools/languages. Didn't use Python for a decade and I quickly setup a Jupyter Notebook for financial simulations without having to really understand the language (you can simply ask it).
AI is not limited to what we can keep in mind at the same time (between 4 or 6 informations in our short-term memory) 800 lines of context all together is nothing and you can quickly iterate over such code.
Don't misplace your expectations about LLMs, they are a tool, it makes experienced engineers shine when used for the right purpose, but you have to understand the limitations as for any other tool out there.