Yes. I got a cheap AI lawyer if someone sues me, all good. All jokes aside, the alternative was to not have a "Terms of Service", so fairly sure it's better than nothing.

It's an arms race. First nobody was reading them, now nobody is writing them.

Has there ever been a case of a ToS so badly written that not having one would have been preferable? I'd be curious to hear about that story if it exists.

At a certain point in my life, I came to the conclusion that if something is important enough, it generally pays to: (1) either research the matter myself until I was satisfied that I understood the cost/risk tradeoff sufficiently; or (2) if I don't have the time or skills to do that, have the matter reviewed professionally. Both of which are alternatives to "doing nothing".

Employment or other contracts, health decisions, taxes ... that's how I roll.

That's just me, and I'm not you. It may also just be a hobby project or otherwise of negligible consequence. In which case it would seem to fall under the rubric of what generative AI is arguably suitable ("better than nothing").

Hiring professionals is often about transferring liabilities to knowledgeable people. I wouldn't want to respond for something done by some automatic tool whose output I don't fully understand.

"Ain't nobody got time for that"... that's how I roll.