To me this all seems moot, as insurance companies will insist (via lower-priced policies) that any endeavor they cover be performed by an AI if more competent t

To me this all seems moot, as insurance companies will insist (via lower-priced policies) that any endeavor they cover be performed by an AI if more competent than a human, which will eventually be the case for any given knowledge-based task. If you want to accelerate that, get into research (or insurance), I guess?