Both tutoring and no tutoring will benefit you. The only benefit of tutoring is: 1. resources 2. teaching. But teaching is a learner preference, not a style (an individual's preferred way to absorb information), and that myth was busted in learning psychology years ago.
Basically, you need to create the internal motivation to constantly ask "why?" and scrutinise every piece of your understanding. This will rework the way you think conceptually about topics. The best way to learn math is to do.
Be completely fine with not understanding anything you learn. Be fine with doing questions and not knowing where to start. Just don't be ignorant and use AI to learn a sequence of steps and regurgitate the [method] because "oh that question looks similar to that other one".
For Ext 1, I remember I struggled with statistics at one point. I took the effort to 'overlearn' statistics, CLT (in next year's syllabus) and other stuff [such as doing unnecessary BOS proofs on stats]. All of this stuff is more effort, but it will genuinely boost your understanding of everything you learn.
And when you use AI. I personally use it only to generate the 'first hint' of the proof. Then I deduce what in my knowledge I lacked to even think of that first hint. The truth is, to build conceptual knowledge, you need procedural knowledge [knowledge of how to do]. Once that is created, you may find that conceptual knowledge will just naturally start to come.
Especially when you look through worked solutions yourself and constantly scrutinise "why'd they do this, why they do that", you will learn the content well. And to figure out these questions thats where you can also strategically use AI. Put the question in, explain your logic and why it doesn't work. Or why they do this step and why its allowed.
Don't try to cheat yourself is my best advice.