ChatGPT writes excellent API documentation and can also document snippets of code to explain what they do, it does 80% of the work for unit tests, it can fill in simple methods like getters/setters, initialize constructors, I've even had it write a script to perform some substantial code refactoring.
Use ChatGPT for grunt work and focus on the more advanced stuff yourself.
This is a kind of grunt work that years ago would have taken me hours and it's demoralizing work. Nowadays when I get stuff like this, it's just such a breeze.
As to copilot, I have not used it but I think it's powered by GPT4.
For example, I was looking up Epipens (Epinephrine), and I happened to notice the side-effects were similar to how overdosing on stimulants would manifest.
So, I asked it, "if someone was having a severe allergic reaction and no Epipen was available, then could Crystal Methamphetamine be used instead?"
GPT answered the question well, but the answer is no. Apparently, stimulants lack the targeted action on alpha and beta-adrenergic receptors that makes epinephrine effective for treating anaphylaxis.
I do not know why I ask these questions because I am not severely allergic to anything, nor anyone else that I know of, and I do not have nor wish to have access to Crystal Meth.
I've been using GPT for helping prepare for dev technical interviews, and it's been pretty damn great. I also do not have access to a true senior dev at work either, so I tend to use GPT to kind of pair program. Honestly, it's been life changing. I have also not encountered any hallucinations that weren't easy to catch, but I mainly only ask it more project architectural, design questions, and a documentation search engine than using it to write code for me.
Like you, I think not using GPT for overly complex tasks is best for now. I use it make life easier, but not easy.