Then there are those who use AI to summarise and then formulate some kind of answer, with a response that is well above their own level of understanding.

that seems like a lot of work. I prefer old fashioned way of just reading/watching something myself. But talking about using of AI few days ago I found a series of youtube shorts made by an AI. I think that they are quite funny.(even if some videos ideas get a bit repetitive). In those videos Socrates often appears and asks questions. In this case the question would be- If ai is your power what are you without it?