I took a recent subscription with Suno A.I Pro version. Upload the lyrics add a few prompts and wait for the outcome , did just that earlier.
If you're confident enough get the stems and add the 'human touch' if it needs it, probably won't.
Really if you contribute lyrics , music , vocals etc its a legitimate way of making music, but don't try and hide the A.I aspect of it.
I went with Suno I think its pretty good and V5 is now out....unfortunately I think eventually it will be so advanced that a simple suggestion will produce very listenable tunes maybe even the lyrics will be interesting?