Copilot can design a table, and even fill out some data, but it won't input any formulas. It will write them for you and tell you where to put them, but you have to copy-paste them on your own.
Also, with versioning, even if it did and caused a problem, you could always just roll back to a previous version of the file. Not really an issue.
This is a very ignorant and prejudiced take.
AI in Excel is an amazing feature that will help TONNES of people do what they never could It can design tables and write (but not insert) advanced formulas for the user.
Sure, you could say "just be an Excel expert", but - for example - my daily work is nowhere near Excel. Learning its advanced features would be a 100% waste of time, just to be able to prep a fancy chart every couple of years. So, instead, I can just ask Copilot to do that fancy thing for me, instead of wasting hours online, trying to figure out XLOOKUP, or some such.