Why sort by use case
AI products change names, prices and underlying models every few months. Use cases change much more slowly. People still need to research, write code, make images, transcribe speech and keep sensitive data private. Organising the watchlist this way means the advice survives the next round of releases, even when individual tools do not.
Every tool listed here was usable by an ordinary person at the time of writing. Where we mention a capability, we have tried it ourselves; where something is only announced, we say so. Pricing and plans shift often, so we deliberately avoid quoting them. Always check the vendor's current terms, especially on how your inputs are stored and whether they are used for training.