But nobody who uses it treats it like "just a tool."

I do. I use it to tighten up some lazy code that I wrote, or to help me figure out a potential flaw in my logic, or to suggest a "better" way to do something if I'm not happy with what I originally wrote.

It's always small snippets of code and I don't always accept the answer. In fact, I'd say less than 50% of the time I get a result I can use as-is, but I will say that most of the time it gives me an idea or puts me on the right track.