I've used it as a sounding board for various problems. For example, here's a real world 'problem' AI helped me with. I have an above ground pool. It developed what I thought was a mole tunnel under the liner. (Oh great effing moles...).. So I asked ChatGPT what's up and after a bit of back and forth it helped me realize it was caused by a big rain storm (like a 100year storm) and ChatGPT let me know that this sometimes happens when water gets under your pool and settles any air pockets as it drains. I had no idea about this nor did I even know what to search for, but ChatGPT 'talked me off the ledge' so to speak... It's been a few months since then and no additional 'mole tunnels' so I think it's right.
I have a few examples like that where ChatGPT really helped my anxiety and helped me work through practical solutions to real problems.
Anyway, it's the best 20 dollars a month I could possibly spend...imho
Then there's some cool projects where it helped me write code using python's tree sitter library to generate call graphs and symbol tables which made me famous at work (and I got a huge bonus and a raise) so it's useful in my career as well.