AI can get the implementation done just fine but in my experience it needs guidance because it can't guess what features and details I want / don't want.

The difference to "before" is that it's now possible at all for me to get personal projects to a working state but in sum they still require a few hours every now and then supervising.

My personal projects matter a lot. For some of them I am trusting my private data in the code, so I need to hold it to a high security and privacy standard. For others, I have hundreds or thousands of users (game mods, helper tools for hobbies, etc.), and I don't want to ship low quality to them.

If it doesn’t matter then do what you want. By definition, it doesn’t matter.

Some of us actually use these tools, so it does matter. You do have to consider things when it matters.