AI Engine vs BitBot: choosing a WordPress AI plugin when you don't want to babysit an OpenAI account

I build sites for clients who don't know what an API key is. They know their business. They hit me up when the contact form stops working. They definitely don't want to hear "paste your OpenAI secret here" in the setup instructions. That's where the current WordPress AI plugin market is weird. It's split into two camps that both fail the non-technical site owner in different ways. The two camps today Camp A: "Bring your own key" plugins - AI Engine, AI Power, WPBot, and most of the open-source GitHub plugins.