Great advice. I would add to it just to learn leveraging those tools effectively. They are great productivity boost. Another side effect once they become popular is that some skills that we already have will be harder to learn so they might be in higher demand.
Anyway, make sure you put aside enough money to not have to worry about such things 😃
Yes. It gives them leverage when working on standard specs. And it can lead to stagnation. The latter didn’t happen yet, but they already tried to push their agenda multiple times already.