Headshots, product shots and real estate interiors are largely solved. Maternity, newborn, senior portraits and family sessions are not. An honest capability map by shoot type.
"Can AI replace a photographer" is the wrong question, because the answer changes completely depending on the shoot. It has essentially replaced one category, partially replaced two, and barely touched several others.
Here is the map, shoot type by shoot type, from a company that sells the AI side.
The clearest win. A headshot is one person, cropped at the shoulders, in controlled light, against a simple background — the exact conditions generation handles best. Results are consistently usable, iteration is free, and the main risk is vanity rather than technical failure.