I used ChatGPT 4 while doing some freelance projects, and considering the time it has saved me, it's easily worth the 20 bucks a month. It is by no means perfect, but I look at it more like a super powered stack overflow.
About all I really use Copilot for is auto-completing console.log statements. That's most of what I like it to do. I don't need an AI to write code for me. I already know the code I'm writing better than the AI does. Sometimes the AI guesses what I'm about to write and fills it in, and sometimes I let it, but I don't trust based on my experience with it, and then I have to read a paragraphs length of code to make sure it's right before I allow it, and it's usually wrong so I've just wasted some time thanks to the AI. It gets it wrong more often than it gets anything complicated right, and often suggests buggy code. I can't really see paying for that for myself. I don't think auto-completing console.log statements is worth $20/month.