The appeal is real: a tool that will draft the contract clause, suggest the formula, explain the tax treatment or write the bit of code, in areas where a small business has no in-house expertise and paying for advice on every small question is not proportionate. This is one of the genuine shifts of the last few years, and refusing to use it on principle costs more than it saves.
The difficulty is structural rather than technical. When the output is in your own field, you notice the mistake without effort, because it reads wrong. Outside your field, you have no such reaction. The text is fluent, confident and plausible, and those are the only qualities you can assess, so a wrong answer presents exactly as a right one. Confidence is produced by how the tool works and is not connected to whether the content is correct - which means the signal you would naturally use is not a signal at all here.
That does not rule the work out; it changes what you do with it. The safe pattern is to treat the output as a draft that makes you better informed rather than as an answer you act on. You get the vocabulary, the shape of the problem and the questions worth asking, which is worth a great deal when the alternative is arriving at a professional with nothing. A thirty-minute conversation with an accountant, starting from a draft, covers far more than the same conversation starting from scratch.
Where the stakes are high, verification has to come from outside the tool. Ask for the rule, the section, the source - then read the source yourself rather than accepting the description of it. Regulations, official guidance and documentation are usually public, and the check is whether the cited thing exists and says what was claimed. This catches the most dangerous failure, which is a reference invented because it was the natural shape for the sentence to take.
Finally, decide in advance where the line is, rather than in the moment. Anything binding on the business, anything about safety, anything that goes to a regulator and anything that would be expensive to unwind should pass a qualified human before it leaves the building. That is not a large category, and being explicit about it lets you use the tool freely for everything else - which is most of the work, and where the time is actually saved.