> the open arms embrace of subscription development tools (services, really) which seek to offload the very act itself makes me wonder how and why so many people are eager to dive right in

Here's a reason not in your list.

Short version: A kind of peer pressure, but from above. In some circles I'm told a developer must have AI skills on their resume now, and those probably need to be with well known subscription services, or they substantially reduce their employment prospects.

Multiple people I know who are employers have recently, without prompting, told me they no longer hire developers who don't use AI in their workflow.

One of them told me all the employers they know think "seniors" fall into two camps, those who are embracing AI and therefore nimble and adaptive, and those who are avoiding it and therefore too backward-looking, stuck-in-their-ways to be a good hire for the future. So if they don't see signs of AI usage on a senior dev's resume now, that's an automatic discard. For devs I know laid off from an R&D company where AI was not permitted for development (for IP/confidentiality reasons), that's unfair as they were certainly not backward-looking people, but the market is not fair.

Another "business leader" employer I met recently told me his devs are divided into those who are embracing AI and those who aren't, said he finds software feature development "so slow!", and said if it wasn't for employment law he'd fire all his devs who aren't choosing to use AI. I assume he was joking, but it was interesting to hear it said out loud without prompting.

I've been to several business leadership type meetups in recent months, and it seems to be simply assumed that everyone is using AI for almost everything worth talking about. I don't think they really are, so it's interesting to watch that narrative playing out.