These tools are good, and they get noticeably better every few months. I use them every day in my own work and would not want to go back.
Where they are still weak is the part nobody sees. They are built to produce something that runs, and they will quite happily leave a key in plain sight or a database open to anyone who asks for it.
So the distance between something that works for you and something that can be trusted with other people’s money and data is real. It is also specific, and all of it is checkable.