I'll add a personal anecdote - 2 years ago, I wrote a SwiftUI app by myself (bare you, I'm mostly an infrastructure/backend guy with some expertise in front end, where I get the general stuff, but never really made anything big out of it other than stuff on LAMPP back in 2000s) and it took me a few weeks to get it to do what I want to do, with bare minimum of features. As I was playtesting my app, I kept writing a wishlist of features for myself, and later when I put it on AppStore, people around the world would email me asking for some other features. But life, work and etc. would get into way, and I would have no time to actually do them, as some of the features would take me days/weeks.
Fast forward to 2 weeks ago, at this point I'm very familiar with Claude Code, how to steer multiple agents at a time, quick review its outputs, stitch things together in my head, and ask for right things. I've completed almost all of the features, rewrote the app, and it's already been submitted to AppStore. The code isn't perfect, but it's also not that bad. Honestly, it's probably better from what I would've written myself. It's an app that can be memory intensive in some parts, and it's been doing well from my testings. On top of it, since I've been steering 2-3 agents actively myself, I have the entire codebase in my mind. I also have overwhelming amount of more notes what I would do better and etc.
My point is, if you have enough expertise and experience, you'll be able to "stitch things together" cleaner than others with no expertise. This also means, user acquisition, marketing and data will be more valuable than the product itself, since it'll be easier to develop competing products. Finding users for your product will be the hard part. Which kinda sucks, if I'll be honest, but it is what it is.
I've had the same experience as you. I've applied it to old projects which I have some frame of reference for and it's like a 200x speed boost. Just absolutely insane - that sort of speed can overcome a lot of other shortcomings.
I'm a full stack dev, and solo, so I write data schema, backends and frontends at the same time, usually flipping between them to test parts of new features. As far as AI use, I'm really just at the level of using a single Claude agent in an IDE - and only occasionally, because it writes a lot of nonsense. So maybe I'm missing out on the benefits of multiple agents. But where I currently see value in it is in writing (1) boilerplate and (b) sugar - where it has full access to a large and stable codebase. Where I think it fails is in writing overarching logical structures, especially early on in a project. It isn't good at writing elegant code with a clear view of how data, back and front should work together. When I've tried to start projects from scratch with Claude, it feels like I'm fighting against its micro-view of each piece of code, where it's unable to gain a macro-view of how to orchestrate the whole system.
So like, maybe a bottomless wallet and a dozen agents would help with that, but there isn't so much room for errors or bugs in my work code as there is in my fun/play/casual game code. As a result I'm not really seeing that much value in it for paid work.