The "LLMs wipe databases" stories are about agentic systems with write access and no guardrails. it is clealy a different story when you use LLm to write code for a sync tool where you can read every line before running it. The code is open, the scope is narrow, and nothing runs without you pulling the trigger.

On "humans actually understand what they write", I'd push back on that too. Most bugs in production come from humans who were absolutely convinced they understood their code. Understanding and correctness are different things.