shouldiuse.io

VERDICT

Should I use Microsoft Copilot?

Microsoft Copilot is AI for work - copilot.com

Depends. Buy it if your org already lives in Microsoft 365 at scale and has admin and security staff to manage it. Skip it if you are a small team or non-Microsoft shop — a standalone AI assistant does the job for less.

Confidence

Medium. Based on 60+ public sources across reviews, pricing, security, and case studies

Ratings

  • Value for money
  • Ease of useNo usability consensus in reviewed sources
  • Feature depth
  • Support qualityNo support evidence found
  • Security posture

Pricing

Free

Copilot (consumer chat)

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed
Free tierYes
Microsoft 365 CopilotPer-user monthly add-on (see Microsoft pricing page)
GitHub Copilot$0–$39/mo

Best for

  • Microsoft 365-heavy enterprises
  • Orgs already on E3/E5 licenses
  • Developer teams standardized on GitHub
  • Buyers with IT and security staff

Not for

  • Small teams on Google Workspace
  • Anyone wanting one simple, predictable AI price
  • Budget-sensitive startups — usage billing bites
  • Non-Microsoft stacks without M365 licenses

Gotchas - check before you buy

high

Credit-based Copilot billing drew complaints as 'too expensive to use' — costs scale with usage

medium

M365 Copilot is a per-seat add-on; guides warn the true cost exceeds headline pricing

medium

Capabilities are split across many SKUs (consumer, M365, Studio, Security) — pick carefully

medium

Deep Microsoft 365 integration is lock-in: painful to migrate away once adopted

Pros and cons

Pros

  • Free consumer chat tier available
  • Natively integrates across Microsoft 365 apps
  • Proven at enterprise scale, e.g. PwC rollout
  • Published data-privacy and enterprise-protection documentation
  • Broad family: chat, code, agents, security tooling

Cons

  • Users call it overhyped and not market-ready
  • Pricing repeatedly reviewed as brutal and confusing
  • Zero-click leak and disclosure CVEs disclosed
  • Credit-based billing triggered formal user complaints
  • Value locked to the Microsoft ecosystem

Sources & method

Analyzed 9/26/2026 - 10 sources - Active vulnerability history (zero-click leak, disclosure CVEs); Microsoft publishes security guidance and fixes.

official x4review x3security x2news x1
  • EchoLeak zero-click vulnerability in Microsoft 365 Copilot, Zero-click flaw surfaced through AI red-teaming of M365 Copilot.
  • One-click flaws in Copilot Personal, Flaws could let a single click attack Copilot Personal users; CVE assigned.
  • CVE-2026-21520: Copilot Studio information disclosure, Disclosure flaw in Microsoft Copilot Studio.
  • Copilot bug bypassed confidential email controls, Bug allowed Copilot to circumvent confidential-email governance controls.

Key stats

  • Value for money: 2/5

    Rating

  • Free

    Starting price

  • 10

    Sources

  • Analyzed

  • Value for money: 2/5. Credit billing and per-seat add-ons draw heavy complaints
  • Ease of use. No usability consensus in reviewed sources
  • Feature depth: 4/5. Chat, agents, code, Studio, Security — very broad
  • Support quality. No support evidence found
  • Security posture: 2/5. Multiple disclosed vulnerabilities and data-exposure flaws
  • Yes Free tier Consumer chat; GitHub Copilot has a Free plan
  • $0 Starting price Paid Copilot plans run to $39/mo (GitHub Copilot)
  • 463 Trustpilot reviewers copilot.microsoft.com
  • 1975 Vendor founded Microsoft

Pricing

Copilot (consumer chat)

Free

  • General AI chat
  • Individual plans available

Microsoft 365 Copilot

Per-user monthly add-on (see Microsoft pricing page)

  • Inside Word, Excel, Teams, Outlook
  • Requires M365 business licenses

GitHub Copilot

$0–$39/mo

  • Free tier for individuals
  • Credit-based usage billing on higher tiers

Security

Active vulnerability history (zero-click leak, disclosure CVEs); Microsoft publishes security guidance and fixes.

  • EchoLeak zero-click vulnerability in Microsoft 365 CopilotZero-click flaw surfaced through AI red-teaming of M365 Copilot.
  • One-click flaws in Copilot PersonalFlaws could let a single click attack Copilot Personal users; CVE assigned.⁷
  • CVE-2026-21520: Copilot Studio information disclosureDisclosure flaw in Microsoft Copilot Studio.⁸
  • Copilot bug bypassed confidential email controlsBug allowed Copilot to circumvent confidential-email governance controls.

Companies that use it

  • PwC⁹
  • Sunrise
  • Johns Hopkins
Full analysis

Based on 60+ public sources across reviews, pricing, security, and case studies

Strong pick for big Microsoft 365 shops; overkill and pricey for small teams or anyone outside the Microsoft bubble.

Methodology

Based on 60+ public sources across reviews, pricing, security, and case studies

Sources

  1. Microsoft Copilot | Sign incopilot.com
    official
  2. Microsoft 365 Copilot Plans and Pricingmicrosoft.com
    official
  3. Data, Privacy, and Security for Microsoft Copilotlearn.microsoft.com
    official
  4. Copilot is NOT Market Ready — Redditreddit.com
    review
  5. Copilot Credit Complaints Keep Coming — Visual Studio Magazinevisualstudiomagazine.com
    news
  6. Microsoft Copilot Cowork Review: Great Product, Brutal Pricingtminus365.com
    review
  7. Microsoft Copilot Personal Flaws — The Hacker Newsthehackernews.com
    security
  8. CVE-2026-21520: Copilot Studio Disclosure Flawsentinelone.com
    security
  9. PwC deploys Microsoft Copilot at enterprise scalepwc.com
    official
  10. Trustpilot reviews of copilot.microsoft.comtrustpilot.com
    review

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