Microsoft Copilot makes most sense for people already deep in the Microsoft ecosystem. If your team runs on Teams, SharePoint, and Outlook, the in-app experience for summarizing meetings or drafting replies inside the app you're already in is genuinely useful. The free tier via a standard 365 subscription is limited to public web searches, which undercuts the main pitch.
For the full integration, you need the Copilot for Microsoft 365 license at $18-30/user/month on top of your existing 365 subscription. That price is hard to justify for individuals, but for enterprise teams it competes directly with Slack AI and Notion AI. As a standalone chatbot competing with ChatGPT or Claude, it's not the first choice.