I have to toggle it on and off. I find that if I'm thinking about what to write it is absurdly distracting to see a suggestion, which is usually wrong, because

I have to toggle it on and off. I find that if I'm thinking about what to write it is absurdly distracting to see a suggestion, which is usually wrong, because the suggestion steals my focus. On the other hand when I don't really need to think that much Copilot often gives valuable suggestions that I accept.