That's a good question - for me it's a lack of time (got a lot going on IRL). Also, I don't have the faintest idea how to use Photoshop or GIMP, so it would all be in MS Paint 3D (!)
As I've long said about "AI-art" - AI image generators are just another tool for an artist to use, like Photoshop, like a brush, or like when a 'sculptor' has their enormous installation fabricated by engineers and machinists who actually know how to build their vision.
As you can probably tell, I'm no artist, hence the relatively unimaginative set ups and repetitive poses etc. When someone who
is an artist, and can actually draw (there being a significant difference, of course) gets their hands on AI image tools, the results are amazing.
I'm just playing at it!