I’m a long time user of Subtxt from way before any of the chat stuff existed. For me, there is still a huge amount of value in everything else the app provides, like quick access to wonderful pages on each element (showing relevant quads, example illustrations, movie references for that element, etc.).
It also has a different (and for me, definitely more accurate) signpost order, as well as the ability to break down beats beyond the variation level into the element level. Piles of other features too. I use Subtxt almost every day, and 9 times out of 10 it’s to use the main UI, not the chat – though I have had some very positive experiences with the chat.
I’m quite well versed in Dramatica, so I don’t need the chat interface to teach me the theory, although sometimes it can really help me see things better. But I do think for those new to Dramatica, Subtxt can really help get across things that are otherwise difficult to learn without months of mentorship or months/years of self-study. (Note I haven’t tested ChatGPT’s Dramatica chops, I would guess it makes a lot of mistakes compared to Muse, but I can’t say for sure.)
Regardless of which route you take, you still need to devote time and effort to learning Dramatica. 90+% of the benefit of Dramatica comes in how you think about your story. Subtxt just gives you a leg up, and a lot of your learning can be with your own work, which is a nice benefit.
EDIT: I do think you’re right though – you can get awesome results with Dramatica, especially if you have the Dramatica app (I can’t imagine trying to figure out my story’s storyform without one of Dramatica or Subtxt!).