I can’t speak for CDCK here but the nuance here is that I suspect many sites prefer this to be optional as some are nervous about AI (whilst others wish to embrace it fully).
So I suspect this will remain an optional plugin and allows CDCK to customise the product offering as they and customers see fit.
However, speaking as an engineer, that pretty much allows for a fully native experience and would not present any meaningful limitation from a functional perspective.
I can’t talk to billing/openai account config.